| Metric | First Oklahoma Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +5.5% | +6.2 pts |
| Deposit growth (YoY) | +12.5% | +5.1% | +7.5 pts |
| Loan growth (YoY) | +12.8% | +5.9% | +6.8 pts |
| ROA | 0.91% | 1.26% | -0.4 pts |
| ROE | 10.1% | 12.2% | -2.0 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.34B | $1.18B | $1.14B | $117.2M | $5.9M | 0.91% | 3.67% | 0.49% |
| Q1 2026 | $1.27B | $1.13B | $1.11B | $116.0M | $2.7M | 0.85% | 3.66% | 0.60% |
| Q4 2025 | $1.26B | $1.12B | $1.10B | $113.6M | $10.2M | 0.86% | 3.53% | 0.55% |
| Q3 2025 | $1.22B | $1.07B | $1.06B | $110.2M | $7.2M | 0.82% | 3.50% | 0.60% |
| Q2 2025 | $1.20B | $1.05B | $1.01B | $107.3M | $4.4M | 0.76% | 3.41% | 0.64% |
| Q1 2025 | $1.13B | $993.3M | $965.9M | $105.0M | $2.0M | 0.72% | 3.35% | 0.49% |
| Q4 2024 | $1.14B | $989.0M | $970.4M | $103.7M | $8.4M | 0.76% | 3.40% | 0.46% |
| Q3 2024 | $1.12B | $970.2M | $935.9M | $102.3M | $5.8M | 0.70% | 3.39% | 0.30% |
Loan mix (Q2 2026): real estate $943.9M · commercial $197.1M · consumer $2.0M · securities $18.8M
| Ratio | First Oklahoma Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.26% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 12.2% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 59.0% | 66th |
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 Oklahoma Bank | 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 Oklahoma Bank | 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 Oklahoma Bank | 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 Oklahoma Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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