| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +5.5% | -7.0 pts |
| Deposit growth (YoY) | +1.5% | +5.1% | -3.6 pts |
| Loan growth (YoY) | -3.1% | +6.0% | -9.1 pts |
| ROA | 1.37% | 1.26% | +0.1 pts |
| ROE | 8.9% | 12.2% | -3.3 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.63B | $1.17B | $641.0M | $253.6M | $11.1M | 1.37% | 3.83% | 0.30% |
| Q1 2026 | $1.61B | $1.17B | $634.6M | $248.8M | $5.3M | 1.31% | 3.77% | 1.36% |
| Q4 2025 | $1.62B | $1.12B | $673.2M | $245.7M | $23.4M | 1.44% | 4.00% | 0.07% |
| Q3 2025 | $1.63B | $1.15B | $672.8M | $236.6M | $16.6M | 1.35% | 3.97% | 0.29% |
| Q2 2025 | $1.66B | $1.15B | $661.5M | $225.3M | $10.8M | 1.33% | 3.90% | 0.32% |
| Q1 2025 | $1.64B | $1.18B | $625.6M | $214.7M | $5.0M | 1.23% | 3.86% | 0.83% |
| Q4 2024 | $1.59B | $1.14B | $599.9M | $223.2M | $27.1M | 1.72% | 4.14% | 0.86% |
| Q3 2024 | $1.63B | $1.14B | $600.7M | $225.3M | $20.4M | 1.74% | 4.16% | 0.95% |
Loan mix (Q2 2026): real estate $478.7M · commercial $171.5M · consumer $1.0M · securities $631.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.26% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.2% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 59.0% | 40th |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.
41 branches in 18 counties across 2 states (+0 vs 2025) · $1.17B branch deposits. Biggest market: Oklahoma, OK, ranked 24th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oklahoma, OK | 10 | $422.7M | 0.78% | 24th |
| Tulsa, OK | 11 | $330.6M | 0.84% | 27th |
| Comanche, OK | 2 | $89.3M | 2.72% | 10th |
| 15 more counties with Pro → | ||||
Oklahoma: 28th with 0.67% · Texas: 657th with 0.00% · Oklahoma City metro: 24th, 0.79% · Tulsa metro: 28th, 0.83% ·
Branch count: 2022 41 · 2023 41 · 2024 41 · 2025 41 · 2026 41
Spends 2.0× the peer median on technology. 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).