Kirkpatrick Bank
Edmond, OK · Cert 20156 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 98% of banks $1B-$10B in assets (rank 9 of 322).
- Widest gap: equity / assets trails 76% of banks $1B-$10B in assets (rank 250 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.34%
Rank 124 of 328
Net Interest Margin
3.16%
Rank 224 of 328
Efficiency Ratio
61.26%
Rank 183 of 328
Equity / Assets
9.07%
Rank 250 of 328
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% | 0.91% | 1.22% | 1.52% | Beats 62% | 124 / 328 | |
| Return on Equity | 14.77% | 8.43% | 11.45% | 14.43% | Beats 79% | 68 / 328 | |
| Net Interest Margin | 3.16% | 3.03% | 3.45% | 3.83% | Beats 32% | 224 / 328 | |
| Efficiency Ratio | 61.26% | 51.61% | 59.56% | 67.53% | Beats 45% | 183 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.51% | 1.03% | Beats 98% | 9 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 92% | 27 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 15.28% | 11.75% | 13.15% | 15.47% | Beats 73% | 89 / 328 | |
| Total Risk-Based Capital Ratio | 16.54% | 12.63% | 14.15% | 16.46% | Beats 76% | 79 / 328 | |
| Equity / Assets | 9.07% | 9.15% | 10.33% | 12.01% | Beats 24% | 250 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 79.37% | 76.63% | 87.92% | 95.36% | 29th pctl | 228 / 323 | |
| Loans / Assets | 70.47% | 65.18% | 74.15% | 79.98% | 39th pctl | 200 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |