Community National Bank of Okarche
Okarche, OK · Cert 25161 · Peer group: banks under $1B in assets in OK (n=91-92)
FDIC · 2 branches
Q4 2025
$121.0MAssets
$43.2MLoans
$99.9MDeposits
$20.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 10 of 91).
- Widest gap: net interest margin trails 95% of banks under $1B in assets in OK (rank 87 of 92).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.43%
Rank 76 of 92
Net Interest Margin
2.47%
Rank 87 of 92
Efficiency Ratio
81.95%
Rank 79 of 92
Equity / Assets
17.19%
Rank 7 of 92
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 15% 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 | 0.43% | 0.66% | 1.11% | 1.42% | Beats 17% | 76 / 92 | |
| Return on Equity | 2.48% | 5.96% | 9.90% | 12.91% | Beats 14% | 79 / 92 | |
| Net Interest Margin | 2.47% | 3.41% | 3.93% | 4.52% | Beats 5% | 87 / 92 | |
| Efficiency Ratio | 81.95% | 56.47% | 65.14% | 75.50% | Beats 15% | 79 / 92 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.21% | 0.69% | 1.82% | Beats 100% | 10 / 91 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.27% | 11.22% | 13.00% | 17.27% | Beats 75% | 23 / 92 | |
| Total Risk-Based Capital Ratio | 17.27% | 11.39% | 13.54% | 18.10% | Beats 73% | 25 / 92 | |
| Equity / Assets | 17.19% | 9.19% | 10.98% | 13.56% | Beats 92% | 7 / 92 | |
| Liquidity & Funding |
| Loans / Deposits | 43.27% | 61.13% | 72.79% | 86.03% | 12th pctl | 80 / 91 | |
| Loans / Assets | 35.73% | 52.08% | 63.10% | 74.49% | 10th pctl | 82 / 91 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 4.00% | Beats 100% | 57 / 91 | |