| Metric | First Bank of Owasso | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +4.9% | +2.9 pts |
| Deposit growth (YoY) | +7.8% | +4.3% | +3.5 pts |
| Loan growth (YoY) | +9.2% | +5.3% | +3.8 pts |
| ROA | 2.80% | 1.28% | +1.5 pts |
| ROE | 17.9% | 12.4% | +5.5 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $639.3M | $538.7M | $486.2M | $99.3M | $8.7M | 2.80% | 4.84% | 0.01% |
| Q1 2026 | $646.9M | $548.9M | $475.7M | $96.7M | $4.2M | 2.73% | 4.77% | 0.01% |
| Q4 2025 | $584.5M | $486.6M | $463.8M | $96.6M | $18.6M | 3.15% | 5.10% | 0.01% |
| Q3 2025 | $592.6M | $498.0M | $453.4M | $93.6M | $13.8M | 3.11% | 5.06% | 0.01% |
| Q2 2025 | $592.8M | $499.8M | $445.3M | $92.2M | $9.0M | 3.04% | 4.96% | 0.01% |
| Q1 2025 | $629.0M | $538.7M | $448.7M | $89.3M | $4.4M | 2.95% | 4.87% | 0.01% |
| Q4 2024 | $559.8M | $455.2M | $438.6M | $88.2M | $21.9M | 4.07% | 5.94% | 0.02% |
| Q3 2024 | $523.8M | $435.8M | $411.9M | $87.2M | $16.8M | 4.20% | 6.07% | 0.16% |
Loan mix (Q2 2026): real estate $473.0M · commercial $17.3M · consumer $2.0M · securities $36.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Bank of Owasso | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.80% | 1.28% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 12.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.8% | 61.2% | 11th |
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 | First Bank of Owasso | 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 | First Bank of Owasso | 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 | First Bank of Owasso | 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 | First Bank of Owasso | 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.