Central National Bank of Alva, The
Alva, OK · Cert 4033 · Peer group: banks under $1B in assets in OK (n=92-93)
FDIC · 4 branches
Q1 2025
$243.0MAssets
$72.8MLoans
$230.4MDeposits
$9.6MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 84% of banks under $1B in assets in OK (rank 15 of 93).
- Widest gap: net interest margin trails 100% of banks under $1B in assets in OK (rank 93 of 93).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-3.28%
Rank 91 of 93
Net Interest Margin
1.84%
Rank 93 of 93
Efficiency Ratio
285%
Rank 93 of 93
Equity / Assets
3.95%
Rank 92 of 93
Non-interest income vs. expense
Unfavorable gap of $15.8M · efficiency ratio beats 1% 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 | -3.28% | 0.73% | 1.09% | 1.62% | Beats 2% | 91 / 93 | | |
| Return on Equity | -82.94% | 6.52% | 11.09% | 15.55% | Beats 2% | 91 / 93 | | |
| Net Interest Margin | 1.84% | 3.18% | 3.72% | 4.43% | Beats 0% | 93 / 93 | | |
| Efficiency Ratio | 285% | 55.30% | 65.10% | 73.00% | Beats 1% | 93 / 93 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 9.20% | 0.09% | 0.58% | 1.92% | Beats 2% | 91 / 92 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.04% | Beats 27% | 68 / 92 | | |
| Capital |
| Tier 1 Capital Ratio | 18.30% | 10.86% | 12.87% | 16.52% | Beats 83% | 16 / 93 | | |
| Total Risk-Based Capital Ratio | 19.57% | 11.29% | 13.67% | 17.30% | Beats 84% | 15 / 93 | | |
| Equity / Assets | 3.95% | 8.47% | 9.89% | 12.88% | Beats 1% | 92 / 93 | | |
| Liquidity & Funding |
| Loans / Deposits | 31.61% | 56.48% | 68.96% | 86.06% | 5th pctl | 87 / 92 | | |
| Loans / Assets | 29.98% | 51.06% | 61.46% | 72.30% | 8th pctl | 85 / 92 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |