Local Bank
Hulbert, OK · Cert 2327 · Peer group: banks under $1B in assets in OK (n=88-89) · 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 65% of banks under $1B in assets in OK (rank 32 of 88).
- Widest gap: efficiency ratio trails 87% of banks under $1B in assets in OK (rank 78 of 89).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.33%
Rank 77 of 89
Net Interest Margin
3.61%
Rank 62 of 89
Efficiency Ratio
88.38%
Rank 78 of 89
Equity / Assets
10.15%
Rank 58 of 89
Non-interest income vs. expense
Unfavorable gap of $13.5M · efficiency ratio beats 13% 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 | 0.33% | 0.85% | 1.26% | 1.60% | Beats 13% | 77 / 89 | | |
| Return on Equity | 3.21% | 7.40% | 11.89% | 14.65% | Beats 13% | 77 / 89 | | |
| Net Interest Margin | 3.61% | 3.46% | 3.93% | 4.45% | Beats 30% | 62 / 89 | | |
| Efficiency Ratio | 88.38% | 54.70% | 60.95% | 71.14% | Beats 13% | 78 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.30% | 0.82% | 2.25% | Beats 65% | 32 / 88 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.03% | 0.20% | Beats 45% | 49 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 13.13% | 10.89% | 13.00% | 16.33% | Beats 55% | 40 / 89 | | |
| Total Risk-Based Capital Ratio | 13.75% | 11.20% | 13.06% | 16.33% | Beats 56% | 39 / 89 | | |
| Equity / Assets | 10.15% | 9.26% | 10.94% | 13.52% | Beats 35% | 58 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.55% | 61.51% | 72.27% | 84.01% | 89th pctl | 10 / 88 | | |
| Loans / Assets | 75.65% | 52.51% | 63.15% | 71.27% | 85th pctl | 13 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |