First Farmers National Bank of Waurika, The
Waurika, OK · Cert 4222 · Peer group: banks under $1B in assets in OK (n=88-89)
National charter · OCC · 1 branch
Q2 2026
$55.5MAssets
$17.9MLoans
$47.1MDeposits
$8.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 12 of 88).
- Widest gap: net interest margin trails 88% of banks under $1B in assets in OK (rank 78 of 89).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.30%
Rank 41 of 89
Net Interest Margin
3.14%
Rank 78 of 89
Efficiency Ratio
52.23%
Rank 20 of 89
Equity / Assets
14.98%
Rank 15 of 89
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 79% 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 | 1.30% | 0.85% | 1.26% | 1.60% | Beats 54% | 41 / 89 | | |
| Return on Equity | 8.70% | 7.40% | 11.89% | 14.65% | Beats 36% | 57 / 89 | | |
| Net Interest Margin | 3.14% | 3.46% | 3.93% | 4.45% | Beats 12% | 78 / 89 | | |
| Efficiency Ratio | 52.23% | 54.70% | 60.95% | 71.14% | Beats 79% | 20 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.30% | 0.82% | 2.25% | Beats 100% | 12 / 88 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 61% | 36 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 19.31% | 10.89% | 13.00% | 16.33% | Beats 84% | 14 / 89 | | |
| Total Risk-Based Capital Ratio | 19.31% | 11.20% | 13.06% | 16.33% | Beats 84% | 14 / 89 | | |
| Equity / Assets | 14.98% | 9.26% | 10.94% | 13.52% | Beats 83% | 15 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 38.01% | 61.51% | 72.27% | 84.01% | 11th pctl | 78 / 88 | | |
| Loans / Assets | 32.23% | 52.51% | 63.15% | 71.27% | 12th pctl | 78 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |