Latimer State Bank
Wilburton, OK · Cert 22839 · Peer group: banks under $1B in assets in OK (n=87-88) · 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 14 of 87).
- Widest gap: return on equity trails 70% of banks under $1B in assets in OK (rank 62 of 88).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.99%
Rank 8 of 88
Net Interest Margin
3.71%
Rank 55 of 88
Efficiency Ratio
34.44%
Rank 2 of 88
Equity / Assets
24.81%
Rank 2 of 88
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.99% | 0.85% | 1.26% | 1.62% | Beats 91% | 8 / 88 | | |
| Return on Equity | 8.03% | 7.40% | 11.89% | 14.66% | Beats 30% | 62 / 88 | | |
| Net Interest Margin | 3.71% | 3.51% | 3.93% | 4.47% | Beats 38% | 55 / 88 | | |
| Efficiency Ratio | 34.44% | 54.70% | 61.50% | 71.28% | Beats 99% | 2 / 88 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.30% | 0.82% | 2.25% | Beats 49% | 45 / 87 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 14 / 87 | | |
| Capital |
| Tier 1 Capital Ratio | 72.24% | 10.89% | 13.04% | 16.40% | Beats 98% | 2 / 88 | | |
| Total Risk-Based Capital Ratio | 73.19% | 11.20% | 13.09% | 16.43% | Beats 98% | 2 / 88 | | |
| Equity / Assets | 24.81% | 9.26% | 10.95% | 13.63% | Beats 98% | 2 / 88 | | |
| Liquidity & Funding |
| Loans / Deposits | 26.11% | 60.39% | 72.27% | 84.01% | 2nd pctl | 85 / 87 | | |
| Loans / Assets | 19.59% | 52.51% | 63.37% | 71.46% | 3rd pctl | 85 / 88 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |