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Great Nations Bank

Norman, OK · Cert 58680 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25)

State charter, non-member · FDIC · 2 branches

Q2 2026

$113.8MAssets
$90.1MLoans
$100.5MDeposits
$11.3MEquity

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: total risk-based capital ratio trails 76% of banks under $1B in assets in the Oklahoma City, OK area (rank 19 of 25).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.70%

Rank 17 of 25

Net Interest Margin

3.81%

Rank 14 of 25

Efficiency Ratio

79.22%

Rank 19 of 25

Equity / Assets

9.97%

Rank 14 of 25

Non-interest income vs. expense

$0.1M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 28% of banks under $1B in assets in the Oklahoma City, OK area
Bank 79.22%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.70%0.60%0.90%1.27%Beats 32%17 / 25
Return on Equity7.00%6.92%9.16%13.29%Beats 28%18 / 25
Net Interest Margin3.81%3.56%3.82%4.10%Beats 44%14 / 25
Efficiency Ratio79.22%56.35%63.12%79.22%Beats 28%19 / 25
Asset Quality
Nonperforming Loans / Loans0.10%0.33%0.76%2.35%Beats 92%3 / 25
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%8 / 25
Capital
Tier 1 Capital Ratio10.27%10.27%12.02%13.99%Beats 24%19 / 25
Total Risk-Based Capital Ratio10.27%10.27%12.44%15.25%Beats 24%19 / 25
Equity / Assets9.97%8.64%10.07%11.05%Beats 44%14 / 25
Liquidity & Funding
Loans / Deposits89.72%70.71%82.03%97.03%52nd pctl12 / 25
Loans / Assets79.23%62.67%74.54%84.24%60th pctl10 / 25
Brokered Deposits / Depositsn/aNot reported for this institution