Stock Exchange Bank, The
Woodward, OK · Cert 414 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, non-member · FDIC · 3 branches
Q2 2026
$309.7MAssets
$143.3MLoans
$252.7MDeposits
$54.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 93% of banks under $1B in assets in OK (rank 6 of 89).
- Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets in OK (rank 82 of 88).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.52%
Rank 26 of 89
Net Interest Margin
3.46%
Rank 67 of 89
Efficiency Ratio
49.59%
Rank 14 of 89
Equity / Assets
17.58%
Rank 6 of 89
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 85% 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 | 1.52% | 0.85% | 1.26% | 1.60% | Beats 71% | 26 / 89 | | |
| Return on Equity | 8.63% | 7.40% | 11.89% | 14.65% | Beats 34% | 59 / 89 | | |
| Net Interest Margin | 3.46% | 3.46% | 3.93% | 4.45% | Beats 25% | 67 / 89 | | |
| Efficiency Ratio | 49.59% | 54.70% | 60.95% | 71.14% | Beats 85% | 14 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.30% | 0.82% | 2.25% | Beats 44% | 50 / 88 | | |
| Net Charge-Offs / Loans | 0.78% | 0.00% | 0.03% | 0.20% | Beats 8% | 82 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 18.02% | 10.89% | 13.00% | 16.33% | Beats 83% | 15 / 89 | | |
| Total Risk-Based Capital Ratio | 18.02% | 11.20% | 13.06% | 16.33% | Beats 82% | 16 / 89 | | |
| Equity / Assets | 17.58% | 9.26% | 10.94% | 13.52% | Beats 93% | 6 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.73% | 61.51% | 72.27% | 84.01% | 22nd pctl | 69 / 88 | | |
| Loans / Assets | 46.29% | 52.51% | 63.15% | 71.27% | 22nd pctl | 69 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |