First Summit Bank
Ryan, OK · Cert 399 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, non-member · FDIC · 2 branches
Q2 2026
$33.8MAssets
$18.1MLoans
$29.0MDeposits
$4.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in OK (rank 85 of 88).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.69%
Rank 72 of 89
Net Interest Margin
4.23%
Rank 28 of 89
Efficiency Ratio
78.40%
Rank 72 of 89
Equity / Assets
13.95%
Rank 20 of 89
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 20% 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 | 0.69% | 0.85% | 1.26% | 1.60% | Beats 19% | 72 / 89 | |
| Return on Equity | 4.97% | 7.40% | 11.89% | 14.65% | Beats 16% | 75 / 89 | |
| Net Interest Margin | 4.23% | 3.46% | 3.93% | 4.45% | Beats 69% | 28 / 89 | |
| Efficiency Ratio | 78.40% | 54.70% | 60.95% | 71.14% | Beats 20% | 72 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 7.11% | 0.30% | 0.82% | 2.25% | Beats 5% | 85 / 88 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 15 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 13.68% | 10.89% | 13.00% | 16.33% | Beats 62% | 34 / 89 | |
| Total Risk-Based Capital Ratio | 13.68% | 11.20% | 13.06% | 16.33% | Beats 55% | 40 / 89 | |
| Equity / Assets | 13.95% | 9.26% | 10.94% | 13.52% | Beats 78% | 20 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 62.30% | 61.51% | 72.27% | 84.01% | 30th pctl | 62 / 88 | |
| Loans / Assets | 53.51% | 52.51% | 63.15% | 71.27% | 27th pctl | 65 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |