Kirkpatrick Bank
Edmond, OK · Cert 20156 · Peer group: banks $1B-$10B in assets (n=311-317) · Kirkpatrick Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$1.0BAssets
$706.6MLoans
$890.2MDeposits
$90.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 97% of banks $1B-$10B in assets (rank 9 of 311).
- Widest gap: equity / assets trails 75% of banks $1B-$10B in assets (rank 237 of 317).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.34%
Rank 118 of 317
Net Interest Margin
3.16%
Rank 222 of 317
Efficiency Ratio
61.26%
Rank 176 of 317
Equity / Assets
9.07%
Rank 237 of 317
Non-interest income vs. expense
Unfavorable gap of $17.3M · efficiency ratio beats 45% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.93% | 1.22% | 1.51% | Beats 63% | 118 / 317 | |
| Return on Equity | 14.77% | 8.63% | 11.43% | 14.48% | Beats 78% | 69 / 317 | |
| Net Interest Margin | 3.16% | 3.06% | 3.45% | 3.83% | Beats 30% | 222 / 317 | |
| Efficiency Ratio | 61.26% | 51.90% | 59.69% | 67.53% | Beats 45% | 176 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.51% | 1.14% | Beats 97% | 9 / 311 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 92% | 27 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 15.28% | 11.75% | 13.15% | 15.30% | Beats 74% | 82 / 317 | |
| Total Risk-Based Capital Ratio | 16.54% | 12.63% | 14.21% | 16.26% | Beats 77% | 73 / 317 | |
| Equity / Assets | 9.07% | 9.06% | 10.32% | 11.95% | Beats 25% | 237 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 79.37% | 76.63% | 88.04% | 95.67% | 29th pctl | 221 / 312 | |
| Loans / Assets | 70.47% | 65.41% | 74.05% | 79.71% | 38th pctl | 196 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |