Latimer State Bank
Wilburton, OK · Cert 22839 · Peer group: banks under $1B in assets in OK (n=88-89) · First Latimer Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
$65.5MAssets
$12.8MLoans
$49.2MDeposits
$16.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
- Widest gap: return on equity trails 71% of banks under $1B in assets in OK (rank 63 of 89).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.99%
Rank 8 of 89
Net Interest Margin
3.71%
Rank 55 of 89
Efficiency Ratio
34.44%
Rank 2 of 89
Equity / Assets
24.81%
Rank 2 of 89
Non-interest income vs. expense
Unfavorable gap of $766K · efficiency ratio beats 99% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.99% | 0.85% | 1.26% | 1.60% | Beats 91% | 8 / 89 | |
| Return on Equity | 8.03% | 7.40% | 11.89% | 14.65% | Beats 29% | 63 / 89 | |
| Net Interest Margin | 3.71% | 3.46% | 3.93% | 4.45% | Beats 38% | 55 / 89 | |
| Efficiency Ratio | 34.44% | 54.70% | 60.95% | 71.14% | Beats 99% | 2 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.30% | 0.82% | 2.25% | Beats 49% | 46 / 88 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 15 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 72.24% | 10.89% | 13.00% | 16.33% | Beats 98% | 2 / 89 | |
| Total Risk-Based Capital Ratio | 73.19% | 11.20% | 13.06% | 16.33% | Beats 98% | 2 / 89 | |
| Equity / Assets | 24.81% | 9.26% | 10.94% | 13.52% | Beats 98% | 2 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 26.11% | 61.51% | 72.27% | 84.01% | 2nd pctl | 86 / 88 | |
| Loans / Assets | 19.59% | 52.51% | 63.15% | 71.27% | 3rd pctl | 86 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |