First Security Bank, The
Beaver, OK · Cert 4041 · Peer group: banks under $1B in assets in OK (n=88-89) · Community Capital Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$335.0MAssets
$291.1MLoans
$277.4MDeposits
$28.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 71% of banks under $1B in assets in OK (rank 26 of 89).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets in OK (rank 88 of 89).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.02%
Rank 59 of 89
Net Interest Margin
4.29%
Rank 26 of 89
Efficiency Ratio
57.78%
Rank 36 of 89
Equity / Assets
8.52%
Rank 76 of 89
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 61% 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 | 1.02% | 0.85% | 1.26% | 1.60% | Beats 34% | 59 / 89 | | |
| Return on Equity | 12.02% | 7.40% | 11.89% | 14.65% | Beats 53% | 42 / 89 | | |
| Net Interest Margin | 4.29% | 3.46% | 3.93% | 4.45% | Beats 71% | 26 / 89 | | |
| Efficiency Ratio | 57.78% | 54.70% | 60.95% | 71.14% | Beats 61% | 36 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.34% | 0.30% | 0.82% | 2.25% | Beats 22% | 70 / 88 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.03% | 0.20% | Beats 44% | 50 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 8.29% | 10.89% | 13.00% | 16.33% | Beats 1% | 88 / 89 | | |
| Total Risk-Based Capital Ratio | 8.29% | 11.20% | 13.06% | 16.33% | Beats 1% | 88 / 89 | | |
| Equity / Assets | 8.52% | 9.26% | 10.94% | 13.52% | Beats 15% | 76 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 104.97% | 61.51% | 72.27% | 84.01% | 99th pctl | 1 / 88 | | |
| Loans / Assets | 86.92% | 52.51% | 63.15% | 71.27% | 97th pctl | 3 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |