Bank of Eufaula
Eufaula, OK · Cert 4094 · Peer group: banks under $1B in assets in OK (n=88-89) · S N B Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
$87.1MAssets
$23.2MLoans
$77.0MDeposits
$9.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of banks under $1B in assets in OK (rank 31 of 88).
- Widest gap: return on equity trails 96% of banks under $1B in assets in OK (rank 85 of 89).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-0.04%
Rank 85 of 89
Net Interest Margin
3.13%
Rank 79 of 89
Efficiency Ratio
101.22%
Rank 84 of 89
Equity / Assets
10.94%
Rank 45 of 89
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 7% 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 | -0.04% | 0.85% | 1.26% | 1.60% | Beats 4% | 85 / 89 | |
| Return on Equity | -0.34% | 7.40% | 11.89% | 14.65% | Beats 4% | 85 / 89 | |
| Net Interest Margin | 3.13% | 3.46% | 3.93% | 4.45% | Beats 11% | 79 / 89 | |
| Efficiency Ratio | 101.22% | 54.70% | 60.95% | 71.14% | Beats 7% | 84 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.30% | 0.82% | 2.25% | Beats 66% | 31 / 88 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.03% | 0.20% | Beats 47% | 48 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 12.10% | 10.89% | 13.00% | 16.33% | Beats 39% | 54 / 89 | |
| Total Risk-Based Capital Ratio | 12.10% | 11.20% | 13.06% | 16.33% | Beats 38% | 55 / 89 | |
| Equity / Assets | 10.94% | 9.26% | 10.94% | 13.52% | Beats 49% | 45 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 30.19% | 61.51% | 72.27% | 84.01% | 3rd pctl | 85 / 88 | |
| Loans / Assets | 26.67% | 52.51% | 63.15% | 71.27% | 4th pctl | 85 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |