| Metric | FirstOak Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +4.4% | -6.4 pts |
| Deposit growth (YoY) | -2.9% | +4.0% | -6.8 pts |
| Loan growth (YoY) | -2.2% | +5.6% | -7.7 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 12.5% | 11.9% | +0.6 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $241.2M | $212.3M | $185.2M | $26.5M | $1.6M | 1.35% | 5.21% | 0.00% |
| Q1 2026 | $245.3M | $217.2M | $187.4M | $25.8M | $848K | 1.40% | 5.22% | 0.00% |
| Q4 2025 | $241.0M | $213.2M | $187.5M | $25.8M | $4.4M | 1.79% | 5.23% | 0.00% |
| Q3 2025 | $244.6M | $216.4M | $189.7M | $25.6M | $3.4M | 1.88% | 5.18% | 0.00% |
| Q2 2025 | $246.2M | $218.6M | $189.3M | $25.2M | $2.3M | 1.89% | 5.08% | 0.00% |
| Q1 2025 | $242.1M | $213.7M | $193.7M | $25.0M | $1.1M | 1.77% | 4.98% | 0.00% |
| Q4 2024 | $241.3M | $208.6M | $191.5M | $24.5M | $4.3M | 1.84% | 5.06% | 0.00% |
| Q3 2024 | $232.2M | $205.3M | $185.7M | $24.1M | $3.4M | 1.91% | 5.06% | 0.00% |
Loan mix (Q2 2026): real estate $153.8M · commercial $26.5M · consumer $1.7M · securities $21.0M
| Ratio | FirstOak Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 62.9% | 71st |
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 | FirstOak 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 | FirstOak Bank | 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 | FirstOak 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 | FirstOak 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 | FirstOak Bank | 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.
5 branches in 3 counties across 2 states (+0 vs 2024) · $218.6M branch deposits. Biggest market: Montgomery, KS, ranked 5th with 9.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, KS | 3 | $90.8M | 9.58% | 5th |
| Pueblo, CO | 1 | $70.3M | 1.61% | 18th |
| Wilson, KS | 1 | $57.5M | 20.54% | 3rd |
Kansas: 137th with 0.13% · Colorado: 148th with 0.03% · Pueblo metro: 18th, 1.61% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5