First National Bank of Oklahoma
Oklahoma City, OK · Cert 4211 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · First Bcorp of Oklahoma Inc.
National charter · OCC · 4 branches
Q2 2026
$949.9MAssets
$751.5MLoans
$807.0MDeposits
$95.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of banks under $1B in assets in the Oklahoma City, OK area (rank 2 of 25).
- Widest gap: net charge-offs / loans trails 64% of banks under $1B in assets in the Oklahoma City, OK area (rank 17 of 25).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.78%
Rank 2 of 25
Net Interest Margin
4.09%
Rank 8 of 25
Efficiency Ratio
45.41%
Rank 2 of 25
Equity / Assets
10.07%
Rank 13 of 25
Non-interest income vs. expense
Unfavorable gap of $16.2M · efficiency ratio beats 96% of banks under $1B in assets in the Oklahoma City, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.78% | 0.60% | 0.90% | 1.27% | Beats 92% | 2 / 25 | |
| Return on Equity | 17.70% | 6.92% | 9.16% | 13.29% | Beats 88% | 3 / 25 | |
| Net Interest Margin | 4.09% | 3.56% | 3.82% | 4.10% | Beats 68% | 8 / 25 | |
| Efficiency Ratio | 45.41% | 56.35% | 63.12% | 79.22% | Beats 96% | 2 / 25 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.39% | 0.33% | 0.76% | 2.35% | Beats 44% | 15 / 25 | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.05% | Beats 36% | 17 / 25 | |
| Capital |
| Tier 1 Capital Ratio | 13.23% | 10.27% | 12.02% | 13.99% | Beats 68% | 8 / 25 | |
| Total Risk-Based Capital Ratio | 14.48% | 10.27% | 12.44% | 15.25% | Beats 68% | 8 / 25 | |
| Equity / Assets | 10.07% | 8.64% | 10.07% | 11.05% | Beats 48% | 13 / 25 | |
| Liquidity & Funding |
| Loans / Deposits | 93.13% | 70.71% | 82.03% | 97.03% | 56th pctl | 11 / 25 | |
| Loans / Assets | 79.12% | 62.67% | 74.54% | 84.24% | 52nd pctl | 12 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |