First National Bank of Lindsay, The
Lindsay, OK · Cert 4134 · Peer group: banks under $1B in assets in OK (n=93-94)
FDIC · 1 branch
Q3 2024
$114.3MAssets
$66.0MLoans
$101.1MDeposits
$12.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 50% of banks under $1B in assets in OK (rank 47 of 94).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in OK (rank 93 of 93).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-0.67%
Rank 91 of 94
Net Interest Margin
1.93%
Rank 93 of 94
Efficiency Ratio
126.59%
Rank 92 of 94
Equity / Assets
11.14%
Rank 47 of 94
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 3% 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 | -0.67% | 0.64% | 1.06% | 1.49% | Beats 3% | 91 / 94 | | |
| Return on Equity | -5.99% | 5.91% | 9.48% | 13.78% | Beats 3% | 91 / 94 | | |
| Net Interest Margin | 1.93% | 3.07% | 3.69% | 4.52% | Beats 1% | 93 / 94 | | |
| Efficiency Ratio | 126.59% | 53.70% | 65.45% | 76.13% | Beats 3% | 92 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 10.65% | 0.17% | 0.50% | 1.47% | Beats 3% | 91 / 93 | | |
| Net Charge-Offs / Loans | 15.43% | 0.02% | 0.04% | 0.19% | Beats 1% | 93 / 93 | | |
| Capital |
| Tier 1 Capital Ratio | 9.96% | 11.43% | 13.14% | 16.50% | Beats 9% | 86 / 94 | | |
| Total Risk-Based Capital Ratio | 9.96% | 11.58% | 13.89% | 17.44% | Beats 9% | 86 / 94 | | |
| Equity / Assets | 11.14% | 8.50% | 11.14% | 13.43% | Beats 50% | 47 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.29% | 56.22% | 71.84% | 83.66% | 38th pctl | 58 / 93 | | |
| Loans / Assets | 57.77% | 47.76% | 61.60% | 72.65% | 35th pctl | 60 / 93 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |