Corebank
Waynoka, OK · Cert 18063 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, non-member · FDIC · 2 branches
Q2 2026
$122.1MAssets
$94.8MLoans
$107.0MDeposits
$14.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 12 of 88).
- Widest gap: total risk-based capital ratio trails 65% of banks under $1B in assets in OK (rank 58 of 89).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.57%
Rank 24 of 89
Net Interest Margin
4.14%
Rank 34 of 89
Efficiency Ratio
57.91%
Rank 39 of 89
Equity / Assets
11.97%
Rank 36 of 89
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 57% 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 | 1.57% | 0.85% | 1.26% | 1.60% | Beats 73% | 24 / 89 | | |
| Return on Equity | 13.10% | 7.40% | 11.89% | 14.65% | Beats 60% | 36 / 89 | | |
| Net Interest Margin | 4.14% | 3.46% | 3.93% | 4.45% | Beats 62% | 34 / 89 | | |
| Efficiency Ratio | 57.91% | 54.70% | 60.95% | 71.14% | Beats 57% | 39 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.30% | 0.82% | 2.25% | Beats 100% | 12 / 88 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 83% | 16 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 11.78% | 10.89% | 13.00% | 16.33% | Beats 35% | 58 / 89 | | |
| Total Risk-Based Capital Ratio | 11.78% | 11.20% | 13.06% | 16.33% | Beats 35% | 58 / 89 | | |
| Equity / Assets | 11.97% | 9.26% | 10.94% | 13.52% | Beats 60% | 36 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.57% | 61.51% | 72.27% | 84.01% | 84th pctl | 14 / 88 | | |
| Loans / Assets | 77.63% | 52.51% | 63.15% | 71.27% | 89th pctl | 10 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |