First National Bank
Heavener, OK · Cert 4111 · Peer group: banks under $1B in assets in OK (n=88-89) · Sooner SW Bankshares Inc.
National charter · OCC · 3 affiliate banks · 3 branches (10 in holding)
Q2 2026
$112.8MAssets
$82.2MLoans
$91.7MDeposits
$10.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets in OK (rank 1 of 89).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in OK (rank 83 of 89).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.64%
Rank 20 of 89
Net Interest Margin
6.00%
Rank 1 of 89
Efficiency Ratio
65.94%
Rank 56 of 89
Equity / Assets
9.26%
Rank 67 of 89
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 38% 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 | 1.64% | 0.85% | 1.26% | 1.60% | Beats 78% | 20 / 89 | | |
| Return on Equity | 17.66% | 7.40% | 11.89% | 14.65% | Beats 88% | 11 / 89 | | |
| Net Interest Margin | 6.00% | 3.46% | 3.93% | 4.45% | Beats 99% | 1 / 89 | | |
| Efficiency Ratio | 65.94% | 54.70% | 60.95% | 71.14% | Beats 38% | 56 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.30% | 0.82% | 2.25% | Beats 77% | 21 / 88 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 72% | 26 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 9.89% | 10.89% | 13.00% | 16.33% | Beats 8% | 82 / 89 | | |
| Total Risk-Based Capital Ratio | 9.89% | 11.20% | 13.06% | 16.33% | Beats 7% | 83 / 89 | | |
| Equity / Assets | 9.26% | 9.26% | 10.94% | 13.52% | Beats 25% | 67 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.62% | 61.51% | 72.27% | 84.01% | 86th pctl | 12 / 88 | | |
| Loans / Assets | 72.87% | 52.51% | 63.15% | 71.27% | 76th pctl | 21 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |