Avb Bank
Broken Arrow, OK · Cert 2326 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18) · Arkansas Valley Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$612.3MAssets
$453.1MLoans
$541.5MDeposits
$49.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 78% of banks under $1B in assets in the Tulsa, OK area (rank 5 of 18).
- Widest gap: equity / assets trails 94% of banks under $1B in assets in the Tulsa, OK area (rank 17 of 18).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.88%
Rank 15 of 18
Net Interest Margin
3.96%
Rank 12 of 18
Efficiency Ratio
71.96%
Rank 16 of 18
Equity / Assets
8.13%
Rank 17 of 18
Non-interest income vs. expense
Unfavorable gap of $16.1M · efficiency ratio beats 17% of banks under $1B in assets in the Tulsa, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.94% | 1.44% | 1.74% | Beats 17% | 15 / 18 | | |
| Return on Equity | 10.83% | 9.63% | 12.74% | 15.04% | Beats 28% | 13 / 18 | | |
| Net Interest Margin | 3.96% | 3.75% | 4.31% | 4.83% | Beats 33% | 12 / 18 | | |
| Efficiency Ratio | 71.96% | 53.05% | 62.57% | 69.59% | Beats 17% | 16 / 18 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.01% | 0.41% | 0.86% | Beats 50% | 10 / 18 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 78% | 5 / 18 | | |
| Capital |
| Tier 1 Capital Ratio | 11.80% | 11.17% | 13.04% | 15.32% | Beats 28% | 13 / 18 | | |
| Total Risk-Based Capital Ratio | 13.05% | 11.17% | 13.81% | 15.32% | Beats 39% | 11 / 18 | | |
| Equity / Assets | 8.13% | 9.28% | 11.57% | 13.43% | Beats 6% | 17 / 18 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.67% | 72.39% | 85.72% | 91.52% | 44th pctl | 10 / 18 | | |
| Loans / Assets | 74.00% | 60.70% | 74.00% | 81.85% | 50th pctl | 9 / 18 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |