Oklahoma Capital Bank
Tulsa, OK · Cert 18856 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18) · Sooner SW Bankshares Inc.
State charter, Fed member · FED · 3 affiliate banks · 3 branches (10 in holding)
Q2 2026
$196.3MAssets
$162.2MLoans
$159.8MDeposits
$24.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Tulsa, OK area (rank 4 of 18).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in the Tulsa, OK area (rank 16 of 18).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.22%
Rank 12 of 18
Net Interest Margin
4.52%
Rank 7 of 18
Efficiency Ratio
53.50%
Rank 6 of 18
Equity / Assets
12.62%
Rank 6 of 18
Non-interest income vs. expense
Unfavorable gap of $4.3M · efficiency ratio beats 72% of banks under $1B in assets in the Tulsa, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.94% | 1.44% | 1.74% | Beats 33% | 12 / 18 | |
| Return on Equity | 9.63% | 9.63% | 12.74% | 15.04% | Beats 22% | 14 / 18 | |
| Net Interest Margin | 4.52% | 3.75% | 4.31% | 4.83% | Beats 61% | 7 / 18 | |
| Efficiency Ratio | 53.50% | 53.05% | 62.57% | 69.59% | Beats 72% | 6 / 18 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.01% | 0.41% | 0.86% | Beats 56% | 9 / 18 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 4 / 18 | |
| Capital |
| Tier 1 Capital Ratio | 10.39% | 11.17% | 13.04% | 15.32% | Beats 11% | 16 / 18 | |
| Total Risk-Based Capital Ratio | 10.39% | 11.17% | 13.81% | 15.32% | Beats 11% | 16 / 18 | |
| Equity / Assets | 12.62% | 9.28% | 11.57% | 13.43% | Beats 67% | 6 / 18 | |
| Liquidity & Funding |
| Loans / Deposits | 101.50% | 72.39% | 85.72% | 91.52% | 89th pctl | 2 / 18 | |
| Loans / Assets | 82.65% | 60.70% | 74.00% | 81.85% | 83rd pctl | 3 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |