Local Bank
Hulbert, OK · Cert 2327 · Peer group: banks under $1B in assets in OK (n=87-88) · Grandview Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
$463.1MAssets
$350.3MLoans
$382.6MDeposits
$47.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of banks under $1B in assets in OK (rank 31 of 87).
- Widest gap: efficiency ratio trails 86% of banks under $1B in assets in OK (rank 77 of 88).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.33%
Rank 76 of 88
Net Interest Margin
3.61%
Rank 62 of 88
Efficiency Ratio
88.38%
Rank 77 of 88
Equity / Assets
10.15%
Rank 58 of 88
Non-interest income vs. expense
Unfavorable gap of $13.5M · efficiency ratio beats 14% 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 | 0.33% | 0.85% | 1.26% | 1.62% | Beats 14% | 76 / 88 | |
| Return on Equity | 3.21% | 7.40% | 11.89% | 14.66% | Beats 14% | 76 / 88 | |
| Net Interest Margin | 3.61% | 3.51% | 3.93% | 4.47% | Beats 30% | 62 / 88 | |
| Efficiency Ratio | 88.38% | 54.70% | 61.50% | 71.28% | Beats 14% | 77 / 88 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.30% | 0.82% | 2.25% | Beats 66% | 31 / 87 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.03% | 0.20% | Beats 46% | 48 / 87 | |
| Capital |
| Tier 1 Capital Ratio | 13.13% | 10.89% | 13.04% | 16.40% | Beats 55% | 40 / 88 | |
| Total Risk-Based Capital Ratio | 13.75% | 11.20% | 13.09% | 16.43% | Beats 56% | 39 / 88 | |
| Equity / Assets | 10.15% | 9.26% | 10.95% | 13.63% | Beats 34% | 58 / 88 | |
| Liquidity & Funding |
| Loans / Deposits | 91.55% | 60.39% | 72.27% | 84.01% | 89th pctl | 10 / 87 | |
| Loans / Assets | 75.65% | 52.51% | 63.37% | 71.46% | 85th pctl | 13 / 88 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |