Perry, OK · Cert 13946 · FNBT Bancshares Perry OK Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
30
Profitability
60
Liquidity
82
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Perry, OK · Cert 13946 · FNBT Bancshares Perry OK Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.1% share · #47 of 59 inst. · $0.1B of $39.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.62% | 1.58% | 1.53% | 1.50% | 1.57% | 1.44% | 1.24% | 1.36% | -14 bps | |
| Return on Equity | 18.48% | 17.94% | 17.10% | 16.70% | 17.07% | 15.32% | 12.38% | 13.70% | -301 bps | |
| Net Interest Margin | 4.11% | 4.14% | 4.01% | 4.07% | 4.29% | 4.17% | 3.98% | 4.02% | -4 bps | |
| Efficiency Ratio | 58.43% | 59.42% | 58.28% | 59.86% | 57.84% | 59.50% | 59.25% | 57.32% | -254 bps | |
| Non-Interest Burden | 2.14% | 2.20% | 2.12% | 2.22% | 2.23% | 2.24% | 2.16% | 2.09% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.08% | 3.03% | 7.12% | 3.99% | 5.40% | 3.67% | 4.67% | 6.58% | +259 bps | |
| Loan Growth (YoY) | 6.85% | 6.94% | 4.67% | 1.42% | 6.16% | 2.80% | 2.33% | 5.51% | +408 bps | |
| Deposit Growth (YoY) | 0.48% | 5.14% | 9.45% | 6.31% | 5.10% | 2.27% | 3.77% | 5.66% | -65 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.17% | 0.14% | 1.51% | 1.55% | 1.58% | 0.75% | 0.73% | -78 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.09% | 0.04% | 0.10% | 0.08% | 3.16% | 1.62% | +158 bps | |
| Allowance / Loans | 1.35% | 1.28% | 1.23% | 1.27% | 1.24% | 1.37% | 0.69% | 0.78% | -49 bps | |
| Allowance Coverage of NPLs | 7.3x | 7.4x | 8.9x | 0.8x | 0.8x | 0.9x | 0.9x | 1.1x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.40% | 11.87% | 11.40% | 11.38% | 12.09% | 12.14% | 11.61% | 11.34% | -4 bps | |
| Total Risk-Based Capital | 11.40% | 11.87% | 11.40% | 11.38% | 12.09% | 12.14% | 11.61% | 11.34% | -4 bps | |
| Equity / Assets | 9.51% | 8.96% | 8.93% | 8.99% | 9.84% | 10.27% | 9.79% | 9.76% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.51% | 67.18% | 65.01% | 65.73% | 67.18% | 67.53% | 64.11% | 65.63% | -10 bps | |
| Liquid Assets / Assets | 3.03% | 2.48% | 5.60% | 2.80% | 1.84% | 2.25% | 6.02% | 2.63% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 63.63% | 60.13% | 59.55% | n/a | n/a | |
Perry, OK · Cert 13946 · Peer group: banks under $1B in assets in OK (n=88-89) · FNBT Bancshares Perry OK Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.35%
Rank 38 of 89
Net Interest Margin
4.02%
Rank 39 of 89
Efficiency Ratio
57.78%
Rank 37 of 89
Equity / Assets
9.76%
Rank 62 of 89
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.35% | 0.85% | 1.26% | 1.60% | Beats 57% | 38 / 89 | ||
| Return on Equity | 13.86% | 7.40% | 11.89% | 14.65% | Beats 67% | 29 / 89 | ||
| Net Interest Margin | 4.02% | 3.46% | 3.93% | 4.45% | Beats 56% | 39 / 89 | ||
| Efficiency Ratio | 57.78% | 54.70% | 60.95% | 71.14% | Beats 60% | 37 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.73% | 0.30% | 0.82% | 2.25% | Beats 52% | 43 / 88 | ||
| Net Charge-Offs / Loans | 0.83% | 0.00% | 0.03% | 0.20% | Beats 7% | 83 / 88 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.34% | 10.89% | 13.00% | 16.33% | Beats 31% | 61 / 89 | ||
| Total Risk-Based Capital Ratio | 11.34% | 11.20% | 13.06% | 16.33% | Beats 30% | 62 / 89 | ||
| Equity / Assets | 9.76% | 9.26% | 10.94% | 13.52% | Beats 30% | 62 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.63% | 61.51% | 72.27% | 84.01% | 34th pctl | 58 / 88 | ||
| Loans / Assets | 58.99% | 52.51% | 63.15% | 71.27% | 38th pctl | 55 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||