First National Bank and Trust Company, Chickasha, Oklahoma, The
Chickasha, OK · Cert 4062 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 82% of banks $1B-$10B in assets (rank 58 of 328).
- Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets (rank 300 of 322).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.64%
Rank 69 of 328
Net Interest Margin
3.45%
Rank 166 of 328
Efficiency Ratio
51.36%
Rank 82 of 328
Equity / Assets
12.81%
Rank 58 of 328
Non-interest income vs. expense
Unfavorable gap of $15.6M · efficiency ratio beats 75% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.91% | 1.22% | 1.52% | Beats 79% | 69 / 328 | |
| Return on Equity | 12.79% | 8.43% | 11.45% | 14.43% | Beats 61% | 128 / 328 | |
| Net Interest Margin | 3.45% | 3.03% | 3.45% | 3.83% | Beats 49% | 166 / 328 | |
| Efficiency Ratio | 51.36% | 51.61% | 59.56% | 67.53% | Beats 75% | 82 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.61% | 0.24% | 0.51% | 1.03% | Beats 7% | 300 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 60% | 131 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.31% | 11.75% | 13.15% | 15.47% | Beats 54% | 151 / 328 | |
| Total Risk-Based Capital Ratio | 13.31% | 12.63% | 14.15% | 16.46% | Beats 38% | 203 / 328 | |
| Equity / Assets | 12.81% | 9.15% | 10.33% | 12.01% | Beats 82% | 58 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 58.34% | 76.63% | 87.92% | 95.36% | 6th pctl | 303 / 323 | |
| Loans / Assets | 48.90% | 65.18% | 74.15% | 79.98% | 7th pctl | 304 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |