No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $66.7M | $59.5M | $46.9M | $7.0M | $951K | 2.88% | 5.81% | 1.04% |
| Q1 2026 | $67.4M | $60.5M | $46.7M | $6.7M | $466K | 2.84% | 5.71% | 0.05% |
| Q4 2025 | $63.8M | $57.2M | $49.3M | $6.5M | $2.0M | 3.09% | 6.15% | 0.06% |
| Q3 2025 | $63.2M | $55.8M | $43.8M | $7.2M | $1.5M | 3.12% | 6.17% | 0.10% |
| Q2 2025 | $65.9M | $58.8M | $41.4M | $6.9M | $995K | 3.14% | 6.14% | 0.06% |
| Q1 2025 | $64.7M | $58.0M | $45.2M | $6.6M | $463K | 2.99% | 6.23% | 0.17% |
| Q4 2024 | $59.4M | $53.0M | $45.7M | $6.3M | $2.0M | 3.31% | 6.48% | 0.41% |
| Q3 2024 | $59.6M | $52.4M | $41.4M | $7.0M | $1.5M | 3.34% | 6.50% | 0.20% |
Loan mix (Q2 2026): real estate $10.4M · commercial $6.9M · consumer $7.8M · securities $12.1M
| Ratio | Oklahoma State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.88% | 0.99% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 28.2% | 8.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 70.8% | 14th |
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 | Oklahoma State 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 | Oklahoma State 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 | Oklahoma State 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 | Oklahoma State 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.