First National Bank in Okeene
Okeene, OK · Cert 4161 · Peer group: banks under $1B in assets in OK (n=93-94)
FDIC · 1 branch
Q3 2024
$84.2MAssets
$37.1MLoans
$61.3MDeposits
$14.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 11 of 93).
- Widest gap: net interest margin trails 85% of banks under $1B in assets in OK (rank 80 of 94).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.97%
Rank 51 of 94
Net Interest Margin
2.92%
Rank 80 of 94
Efficiency Ratio
58.89%
Rank 32 of 94
Equity / Assets
17.03%
Rank 6 of 94
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 67% 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 | 0.97% | 0.64% | 1.06% | 1.49% | Beats 46% | 51 / 94 | |
| Return on Equity | 5.70% | 5.91% | 9.48% | 13.78% | Beats 22% | 73 / 94 | |
| Net Interest Margin | 2.92% | 3.07% | 3.69% | 4.52% | Beats 15% | 80 / 94 | |
| Efficiency Ratio | 58.89% | 53.70% | 65.45% | 76.13% | Beats 67% | 32 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.17% | 0.50% | 1.47% | Beats 78% | 21 / 93 | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.04% | 0.19% | Beats 100% | 11 / 93 | |
| Capital |
| Tier 1 Capital Ratio | 28.04% | 11.43% | 13.14% | 16.50% | Beats 93% | 7 / 94 | |
| Total Risk-Based Capital Ratio | 28.81% | 11.58% | 13.89% | 17.44% | Beats 93% | 7 / 94 | |
| Equity / Assets | 17.03% | 8.50% | 11.14% | 13.43% | Beats 94% | 6 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 60.45% | 56.22% | 71.84% | 83.66% | 30th pctl | 65 / 93 | |
| Loans / Assets | 44.05% | 47.76% | 61.60% | 72.65% | 20th pctl | 74 / 93 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |