First Bank of Thomas
Thomas, OK · Cert 4209 · Peer group: banks under $1B in assets in OK (n=87-88) · First Thomas Ban Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
$63.2MAssets
$28.0MLoans
$55.7MDeposits
$7.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 14 of 87).
- Widest gap: net interest margin trails 93% of banks under $1B in assets in OK (rank 82 of 88).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.86%
Rank 65 of 88
Net Interest Margin
2.94%
Rank 82 of 88
Efficiency Ratio
65.67%
Rank 53 of 88
Equity / Assets
11.82%
Rank 37 of 88
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 41% 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 | 0.86% | 0.85% | 1.26% | 1.62% | Beats 26% | 65 / 88 | |
| Return on Equity | 7.25% | 7.40% | 11.89% | 14.66% | Beats 24% | 67 / 88 | |
| Net Interest Margin | 2.94% | 3.51% | 3.93% | 4.47% | Beats 7% | 82 / 88 | |
| Efficiency Ratio | 65.67% | 54.70% | 61.50% | 71.28% | Beats 41% | 53 / 88 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.29% | 0.30% | 0.82% | 2.25% | Beats 23% | 68 / 87 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 14 / 87 | |
| Capital |
| Tier 1 Capital Ratio | 28.64% | 10.89% | 13.04% | 16.40% | Beats 94% | 5 / 88 | |
| Total Risk-Based Capital Ratio | 29.90% | 11.20% | 13.09% | 16.43% | Beats 94% | 5 / 88 | |
| Equity / Assets | 11.82% | 9.26% | 10.95% | 13.63% | Beats 58% | 37 / 88 | |
| Liquidity & Funding |
| Loans / Deposits | 50.28% | 60.39% | 72.27% | 84.01% | 17th pctl | 72 / 87 | |
| Loans / Assets | 44.30% | 52.51% | 63.37% | 71.46% | 17th pctl | 73 / 88 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |