Oklahoma Bank and Trust Company
Clinton, OK · Cert 4067 · Peer group: banks under $1B in assets in OK (n=88-89) · Oklahoma Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$202.3MAssets
$69.6MLoans
$173.9MDeposits
$26.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
- Widest gap: net interest margin trails 98% of banks under $1B in assets in OK (rank 87 of 89).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.13%
Rank 55 of 89
Net Interest Margin
2.71%
Rank 87 of 89
Efficiency Ratio
51.46%
Rank 19 of 89
Equity / Assets
12.97%
Rank 27 of 89
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 80% 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 | 1.13% | 0.85% | 1.26% | 1.60% | Beats 38% | 55 / 89 | | |
| Return on Equity | 8.69% | 7.40% | 11.89% | 14.65% | Beats 35% | 58 / 89 | | |
| Net Interest Margin | 2.71% | 3.46% | 3.93% | 4.45% | Beats 2% | 87 / 89 | | |
| Efficiency Ratio | 51.46% | 54.70% | 60.95% | 71.14% | Beats 80% | 19 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.30% | 0.82% | 2.25% | Beats 59% | 37 / 88 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 15 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 40.55% | 10.89% | 13.00% | 16.33% | Beats 96% | 4 / 89 | | |
| Total Risk-Based Capital Ratio | 41.82% | 11.20% | 13.06% | 16.33% | Beats 96% | 4 / 89 | | |
| Equity / Assets | 12.97% | 9.26% | 10.94% | 13.52% | Beats 70% | 27 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 40.00% | 61.51% | 72.27% | 84.01% | 13th pctl | 77 / 88 | | |
| Loans / Assets | 34.39% | 52.51% | 63.15% | 71.27% | 13th pctl | 77 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |