Paycom National Trust Bank
Oklahoma City, OK · Cert 59363 · Peer group: banks under $1B in assets in OK (n=89)
FDIC
Q2 2026
$20.3MAssets
$0KLoans
$0KDeposits
$18.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in OK (rank 1 of 89).
- Widest gap: net interest margin trails 81% of banks under $1B in assets in OK (rank 72 of 89).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
32.45%
Rank 1 of 89
Net Interest Margin
3.37%
Rank 72 of 89
Efficiency Ratio
26.40%
Rank 1 of 89
Equity / Assets
93.19%
Rank 1 of 89
Non-interest income vs. expense
Favorable gap of $8.6M · efficiency ratio beats 100% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 32.45% | 0.85% | 1.26% | 1.60% | Beats 99% | 1 / 89 | |
| Return on Equity | 34.82% | 7.40% | 11.89% | 14.65% | Beats 99% | 1 / 89 | |
| Net Interest Margin | 3.37% | 3.46% | 3.93% | 4.45% | Beats 19% | 72 / 89 | |
| Efficiency Ratio | 26.40% | 54.70% | 60.95% | 71.14% | Beats 100% | 1 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 293% | 10.89% | 13.00% | 16.33% | Beats 99% | 1 / 89 | |
| Total Risk-Based Capital Ratio | 293% | 11.20% | 13.06% | 16.33% | Beats 99% | 1 / 89 | |
| Equity / Assets | 93.19% | 9.26% | 10.94% | 13.52% | Beats 99% | 1 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | n/a | Not reported for this institution |
| Loans / Assets | 0.00% | 52.51% | 63.15% | 71.27% | 0th pctl | 89 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |