First American Bank
Stonewall, OK · Cert 15762 · Peer group: banks under $1B in assets in OK (n=87-88)
State charter, non-member · FDIC · 1 branch
Q2 2026
$34.3MAssets
$21.7MLoans
$29.5MDeposits
$4.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 81% of banks under $1B in assets in OK (rank 17 of 88).
- Widest gap: efficiency ratio trails 70% of banks under $1B in assets in OK (rank 63 of 88).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.26%
Rank 44 of 88
Net Interest Margin
4.71%
Rank 17 of 88
Efficiency Ratio
69.23%
Rank 63 of 88
Equity / Assets
13.52%
Rank 23 of 88
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 30% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.85% | 1.26% | 1.62% | Beats 50% | 44 / 88 | | |
| Return on Equity | 9.35% | 7.40% | 11.89% | 14.66% | Beats 40% | 53 / 88 | | |
| Net Interest Margin | 4.71% | 3.51% | 3.93% | 4.47% | Beats 81% | 17 / 88 | | |
| Efficiency Ratio | 69.23% | 54.70% | 61.50% | 71.28% | Beats 30% | 63 / 88 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.30% | 0.82% | 2.25% | Beats 56% | 39 / 87 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 75% | 23 / 87 | | |
| Capital |
| Tier 1 Capital Ratio | 13.06% | 10.89% | 13.04% | 16.40% | Beats 52% | 42 / 88 | | |
| Total Risk-Based Capital Ratio | 13.06% | 11.20% | 13.09% | 16.43% | Beats 49% | 45 / 88 | | |
| Equity / Assets | 13.52% | 9.26% | 10.95% | 13.63% | Beats 74% | 23 / 88 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.38% | 60.39% | 72.27% | 84.01% | 52nd pctl | 42 / 87 | | |
| Loans / Assets | 63.15% | 52.51% | 63.37% | 71.46% | 49th pctl | 45 / 88 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |