Bank 360
Cordell, OK · Cert 9875 · Peer group: banks under $1B in assets in OK (n=87-88) · Rocky Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
$61.0MAssets
$52.5MLoans
$52.7MDeposits
$5.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 14 of 87).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in OK (rank 85 of 88).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.28%
Rank 42 of 88
Net Interest Margin
4.84%
Rank 15 of 88
Efficiency Ratio
65.89%
Rank 54 of 88
Equity / Assets
9.25%
Rank 67 of 88
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 40% 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 | 1.28% | 0.85% | 1.26% | 1.62% | Beats 52% | 42 / 88 | |
| Return on Equity | 13.88% | 7.40% | 11.89% | 14.66% | Beats 68% | 28 / 88 | |
| Net Interest Margin | 4.84% | 3.51% | 3.93% | 4.47% | Beats 83% | 15 / 88 | |
| Efficiency Ratio | 65.89% | 54.70% | 61.50% | 71.28% | Beats 40% | 54 / 88 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.97% | 0.30% | 0.82% | 2.25% | Beats 13% | 77 / 87 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 14 / 87 | |
| Capital |
| Tier 1 Capital Ratio | 9.36% | 10.89% | 13.04% | 16.40% | Beats 3% | 85 / 88 | |
| Total Risk-Based Capital Ratio | 9.36% | 11.20% | 13.09% | 16.43% | Beats 3% | 85 / 88 | |
| Equity / Assets | 9.25% | 9.26% | 10.95% | 13.63% | Beats 24% | 67 / 88 | |
| Liquidity & Funding |
| Loans / Deposits | 99.63% | 60.39% | 72.27% | 84.01% | 95th pctl | 4 / 87 | |
| Loans / Assets | 86.08% | 52.51% | 63.37% | 71.46% | 95th pctl | 4 / 88 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |