| Metric | 1st Bank in Hominy | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.0% | +3.6 pts |
| Deposit growth (YoY) | +5.4% | +2.5% | +2.9 pts |
| Loan growth (YoY) | +12.0% | +2.6% | +9.4 pts |
| ROA | 1.23% | 0.99% | +0.2 pts |
| ROE | 15.7% | 8.1% | +7.7 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.3M | $41.6M | $17.4M | $3.5M | $272K | 1.23% | 4.63% | 0.04% |
| Q1 2026 | $44.5M | $41.0M | $17.0M | $3.4M | $144K | 1.32% | 4.71% | 0.16% |
| Q4 2025 | $42.7M | $38.9M | $16.4M | $3.5M | $379K | 0.89% | 4.46% | 0.15% |
| Q3 2025 | $42.8M | $39.2M | $16.2M | $3.4M | $242K | 0.75% | 4.43% | 0.11% |
| Q2 2025 | $42.5M | $39.5M | $15.6M | $2.9M | $119K | 0.56% | 4.35% | 0.14% |
| Q1 2025 | $42.6M | $39.7M | $16.2M | $2.7M | $6K | 0.06% | 4.32% | 0.20% |
| Q4 2024 | $43.2M | $40.7M | $16.3M | $2.4M | $72K | 0.16% | 2.89% | 0.60% |
| Q3 2024 | $47.5M | $44.3M | $15.9M | $3.0M | $74K | 0.22% | 2.87% | 0.55% |
Loan mix (Q2 2026): real estate $6.9M · commercial $5.9M · consumer $2.4M · securities $24.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | 1st Bank in Hominy | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.99% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 8.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 70.8% | 47th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | 1st Bank in Hominy | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | 1st Bank in Hominy | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | 1st Bank in Hominy | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | 1st Bank in Hominy | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | 1st Bank in Hominy | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Technology spend up 26% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $41.6M branch deposits. Biggest market: Osage, OK, ranked 7th with 6.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Osage, OK | 1 | $41.6M | 6.03% | 7th |
Oklahoma: 214th with 0.02% · Tulsa metro: 66th, 0.09% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1