Community Bank of Oklahoma
Verden, OK · Cert 4217 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25)
State charter, non-member · FDIC · 3 branches
Q2 2026
$67.3MAssets
$37.3MLoans
$59.4MDeposits
$7.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 64% of banks under $1B in assets in the Oklahoma City, OK area (rank 10 of 25).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in the Oklahoma City, OK area (rank 25 of 25).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.60%
Rank 19 of 25
Net Interest Margin
3.97%
Rank 10 of 25
Efficiency Ratio
58.95%
Rank 10 of 25
Equity / Assets
10.92%
Rank 9 of 25
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 64% of banks under $1B in assets in the Oklahoma City, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.60% | 0.90% | 1.27% | Beats 24% | 19 / 25 | | |
| Return on Equity | 5.47% | 6.92% | 9.16% | 13.29% | Beats 8% | 23 / 25 | | |
| Net Interest Margin | 3.97% | 3.56% | 3.82% | 4.10% | Beats 60% | 10 / 25 | | |
| Efficiency Ratio | 58.95% | 56.35% | 63.12% | 79.22% | Beats 64% | 10 / 25 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.83% | 0.33% | 0.76% | 2.35% | Beats 36% | 17 / 25 | | |
| Net Charge-Offs / Loans | 1.07% | n/a | 0.00% | 0.05% | Beats 4% | 25 / 25 | | |
| Capital |
| Tier 1 Capital Ratio | 12.10% | 10.27% | 12.02% | 13.99% | Beats 52% | 12 / 25 | | |
| Total Risk-Based Capital Ratio | 12.10% | 10.27% | 12.44% | 15.25% | Beats 40% | 15 / 25 | | |
| Equity / Assets | 10.92% | 8.64% | 10.07% | 11.05% | Beats 64% | 9 / 25 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.78% | 70.71% | 82.03% | 97.03% | 12th pctl | 22 / 25 | | |
| Loans / Assets | 55.41% | 62.67% | 74.54% | 84.24% | 8th pctl | 23 / 25 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |