First National Bank and Trust Company, Chickasha, Oklahoma, The
Chickasha, OK · Cert 4062 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · First Independent Bcorp Inc.
National charter · OCC · 9 branches
Q2 2026
$1.1BAssets
$523.3MLoans
$897.1MDeposits
$137.1MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 42 of 267).
- Widest gap: nonperforming loans / loans trails 94% of banks $1B-$10B in assets operating in a single state (rank 252 of 267).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.64%
Rank 47 of 267
Net Interest Margin
3.45%
Rank 144 of 267
Efficiency Ratio
51.36%
Rank 67 of 266
Equity / Assets
12.81%
Rank 42 of 267
Non-interest income vs. expense
Unfavorable gap of $15.6M · efficiency ratio beats 75% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.93% | 1.23% | 1.55% | Beats 82% | 47 / 267 | |
| Return on Equity | 12.79% | 9.16% | 11.84% | 14.56% | Beats 60% | 108 / 267 | |
| Net Interest Margin | 3.45% | 3.12% | 3.50% | 3.88% | Beats 46% | 144 / 267 | |
| Efficiency Ratio | 51.36% | 51.36% | 60.21% | 69.66% | Beats 75% | 67 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.61% | 0.19% | 0.46% | 0.89% | Beats 6% | 252 / 267 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.06% | Beats 49% | 136 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 13.31% | 11.29% | 13.05% | 15.13% | Beats 53% | 125 / 267 | |
| Total Risk-Based Capital Ratio | 13.31% | 11.95% | 13.87% | 16.27% | Beats 42% | 154 / 267 | |
| Equity / Assets | 12.81% | 9.18% | 10.29% | 11.76% | Beats 84% | 42 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 58.34% | 72.68% | 86.16% | 95.22% | 6th pctl | 251 / 267 | |
| Loans / Assets | 48.90% | 62.46% | 71.96% | 78.38% | 6th pctl | 251 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |