City National Bank and Trust Company of Lawton, Oklahoma, The
Lawton, OK · Cert 4132 · Peer group: banks under $1B in assets (n=581-629) · JRMB II Inc.
National charter · OCC · 1 affiliate bank · 39 branches (107 in holding)
Q2 2026
$446.2MAssets
$301.8MLoans
$373.9MDeposits
$58.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 71% of banks under $1B in assets (rank 181 of 629).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets (rank 560 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.29%
Rank 208 of 629
Net Interest Margin
3.60%
Rank 288 of 629
Efficiency Ratio
82.09%
Rank 496 of 629
Equity / Assets
13.20%
Rank 181 of 629
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 21% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.60% | 1.01% | 1.45% | Beats 67% | 208 / 629 | |
| Return on Equity | 9.76% | 5.38% | 9.30% | 13.28% | Beats 53% | 296 / 629 | |
| Net Interest Margin | 3.60% | 3.03% | 3.54% | 4.05% | Beats 54% | 288 / 629 | |
| Efficiency Ratio | 82.09% | 58.35% | 67.79% | 79.08% | Beats 21% | 496 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.09% | 0.46% | 1.20% | Beats 50% | 289 / 581 | |
| Net Charge-Offs / Loans | 0.44% | n/a | 0.01% | 0.06% | Beats 4% | 560 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 13.87% | 11.24% | 13.84% | 18.77% | Beats 50% | 314 / 629 | |
| Total Risk-Based Capital Ratio | 13.87% | 11.58% | 14.43% | 19.66% | Beats 45% | 347 / 629 | |
| Equity / Assets | 13.20% | 9.09% | 10.65% | 13.80% | Beats 71% | 181 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 80.72% | 67.24% | 80.90% | 93.48% | 50th pctl | 298 / 594 | |
| Loans / Assets | 67.64% | 53.31% | 67.71% | 78.15% | 50th pctl | 317 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |