Frazer Bank
Altus, OK · Cert 4031 · Peer group: banks under $1B in assets in OK (n=88-89) · First Altus Bcorp Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
$354.3MAssets
$196.2MLoans
$317.1MDeposits
$36.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 12 of 88).
- Widest gap: net interest margin trails 92% of banks under $1B in assets in OK (rank 82 of 89).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.51%
Rank 76 of 89
Net Interest Margin
3.00%
Rank 82 of 89
Efficiency Ratio
79.93%
Rank 73 of 89
Equity / Assets
10.25%
Rank 57 of 89
Non-interest income vs. expense
Unfavorable gap of $8.4M · efficiency ratio beats 19% 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 | 0.51% | 0.85% | 1.26% | 1.60% | Beats 15% | 76 / 89 | |
| Return on Equity | 5.02% | 7.40% | 11.89% | 14.65% | Beats 17% | 74 / 89 | |
| Net Interest Margin | 3.00% | 3.46% | 3.93% | 4.45% | Beats 8% | 82 / 89 | |
| Efficiency Ratio | 79.93% | 54.70% | 60.95% | 71.14% | Beats 19% | 73 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.30% | 0.82% | 2.25% | Beats 100% | 12 / 88 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 15 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 17.05% | 10.89% | 13.00% | 16.33% | Beats 82% | 16 / 89 | |
| Total Risk-Based Capital Ratio | 18.30% | 11.20% | 13.06% | 16.33% | Beats 83% | 15 / 89 | |
| Equity / Assets | 10.25% | 9.26% | 10.94% | 13.52% | Beats 36% | 57 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 61.88% | 61.51% | 72.27% | 84.01% | 26th pctl | 65 / 88 | |
| Loans / Assets | 55.40% | 52.51% | 63.15% | 71.27% | 30th pctl | 62 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |