First Bethany Bank & Trust
Bethany, OK · Cert 4228 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · First Bethany Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$316.8MAssets
$198.5MLoans
$272.9MDeposits
$18.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Oklahoma City, OK area (rank 8 of 25).
- Widest gap: equity / assets trails 100% 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
0.90%
Rank 13 of 25
Net Interest Margin
2.92%
Rank 25 of 25
Efficiency Ratio
63.12%
Rank 13 of 25
Equity / Assets
5.81%
Rank 25 of 25
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 52% 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 | 0.90% | 0.60% | 0.90% | 1.27% | Beats 48% | 13 / 25 | | |
| Return on Equity | 15.55% | 6.92% | 9.16% | 13.29% | Beats 80% | 5 / 25 | | |
| Net Interest Margin | 2.92% | 3.56% | 3.82% | 4.10% | Beats 0% | 25 / 25 | | |
| Efficiency Ratio | 63.12% | 56.35% | 63.12% | 79.22% | Beats 52% | 13 / 25 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.33% | 0.76% | 2.35% | Beats 88% | 4 / 25 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 8 / 25 | | |
| Capital |
| Tier 1 Capital Ratio | 9.10% | 10.27% | 12.02% | 13.99% | Beats 4% | 24 / 25 | | |
| Total Risk-Based Capital Ratio | 9.10% | 10.27% | 12.44% | 15.25% | Beats 4% | 24 / 25 | | |
| Equity / Assets | 5.81% | 8.64% | 10.07% | 11.05% | Beats 0% | 25 / 25 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.75% | 70.71% | 82.03% | 97.03% | 28th pctl | 18 / 25 | | |
| Loans / Assets | 62.67% | 62.67% | 74.54% | 84.24% | 24th pctl | 19 / 25 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |