First Texoma National Bank
Durant, OK · Cert 13905 · Peer group: banks under $1B in assets operating regionally (n=94) · FNB Financial Services Inc.
National charter · OCC · 5 branches
Q2 2026
$225.4MAssets
$152.2MLoans
$202.3MDeposits
$22.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks under $1B in assets operating regionally (rank 9 of 94).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets operating regionally (rank 90 of 94).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.13%
Rank 52 of 94
Net Interest Margin
4.71%
Rank 9 of 94
Efficiency Ratio
70.09%
Rank 66 of 94
Equity / Assets
10.05%
Rank 54 of 94
Non-interest income vs. expense
Unfavorable gap of $7.1M · efficiency ratio beats 31% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.82% | 1.19% | 1.46% | Beats 45% | 52 / 94 | | |
| Return on Equity | 11.23% | 7.85% | 11.84% | 14.03% | Beats 48% | 49 / 94 | | |
| Net Interest Margin | 4.71% | 3.42% | 3.81% | 4.18% | Beats 90% | 9 / 94 | | |
| Efficiency Ratio | 70.09% | 55.99% | 62.41% | 73.02% | Beats 31% | 66 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.38% | 0.19% | 0.47% | 1.14% | Beats 5% | 90 / 94 | | |
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.02% | 0.05% | Beats 13% | 83 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 11.60% | 10.28% | 11.95% | 15.07% | Beats 45% | 52 / 94 | | |
| Total Risk-Based Capital Ratio | 11.60% | 10.31% | 12.59% | 15.88% | Beats 41% | 55 / 94 | | |
| Equity / Assets | 10.05% | 8.98% | 10.21% | 11.41% | Beats 43% | 54 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.25% | 72.62% | 84.44% | 94.55% | 31st pctl | 65 / 94 | | |
| Loans / Assets | 67.55% | 62.50% | 72.84% | 78.99% | 34th pctl | 62 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |