First Bank
Erick, OK · Cert 4092 · Peer group: banks under $1B in assets in OK (n=88-89) · Erick Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$118.0MAssets
$66.2MLoans
$100.1MDeposits
$16.7MEquity
Executive Summary
- Strongest standing: return on assets outperforms 96% of banks under $1B in assets in OK (rank 4 of 89).
- Widest gap: net charge-offs / loans trails 27% of banks under $1B in assets in OK (rank 25 of 88).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
2.21%
Rank 4 of 89
Net Interest Margin
4.94%
Rank 11 of 89
Efficiency Ratio
46.96%
Rank 9 of 89
Equity / Assets
14.18%
Rank 19 of 89
Non-interest income vs. expense
Unfavorable gap of $2.4M · efficiency ratio beats 91% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.21% | 0.85% | 1.26% | 1.60% | Beats 96% | 4 / 89 | |
| Return on Equity | 15.56% | 7.40% | 11.89% | 14.65% | Beats 81% | 17 / 89 | |
| Net Interest Margin | 4.94% | 3.46% | 3.93% | 4.45% | Beats 88% | 11 / 89 | |
| Efficiency Ratio | 46.96% | 54.70% | 60.95% | 71.14% | Beats 91% | 9 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.30% | 0.82% | 2.25% | Beats 78% | 20 / 88 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 73% | 25 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 23.44% | 10.89% | 13.00% | 16.33% | Beats 91% | 8 / 89 | |
| Total Risk-Based Capital Ratio | 24.70% | 11.20% | 13.06% | 16.33% | Beats 91% | 8 / 89 | |
| Equity / Assets | 14.18% | 9.26% | 10.94% | 13.52% | Beats 79% | 19 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 66.11% | 61.51% | 72.27% | 84.01% | 35th pctl | 57 / 88 | |
| Loans / Assets | 56.10% | 52.51% | 63.15% | 71.27% | 35th pctl | 58 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |