Quail Creek Bank
Oklahoma City, OK · Cert 21848 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Quail Creek Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$831.2MAssets
$619.5MLoans
$756.5MDeposits
$72.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks under $1B in assets in the Oklahoma City, OK area (rank 4 of 25).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Oklahoma City, OK area (rank 25 of 25).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.39%
Rank 6 of 25
Net Interest Margin
4.10%
Rank 7 of 25
Efficiency Ratio
56.80%
Rank 8 of 25
Equity / Assets
8.68%
Rank 18 of 25
Non-interest income vs. expense
Unfavorable gap of $18.3M · efficiency ratio beats 72% of banks under $1B in assets in the Oklahoma City, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.60% | 0.90% | 1.27% | Beats 76% | 6 / 25 | | |
| Return on Equity | 16.06% | 6.92% | 9.16% | 13.29% | Beats 84% | 4 / 25 | | |
| Net Interest Margin | 4.10% | 3.56% | 3.82% | 4.10% | Beats 72% | 7 / 25 | | |
| Efficiency Ratio | 56.80% | 56.35% | 63.12% | 79.22% | Beats 72% | 8 / 25 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.33% | 0.76% | 2.35% | Beats 56% | 12 / 25 | | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.05% | Beats 32% | 18 / 25 | | |
| Capital |
| Tier 1 Capital Ratio | 9.07% | 10.27% | 12.02% | 13.99% | Beats 0% | 25 / 25 | | |
| Total Risk-Based Capital Ratio | 9.07% | 10.27% | 12.44% | 15.25% | Beats 0% | 25 / 25 | | |
| Equity / Assets | 8.68% | 8.64% | 10.07% | 11.05% | Beats 28% | 18 / 25 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.90% | 70.71% | 82.03% | 97.03% | 44th pctl | 14 / 25 | | |
| Loans / Assets | 74.54% | 62.67% | 74.54% | 84.24% | 48th pctl | 13 / 25 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |