Patrons Bank, National Association
Total assets
$314.5M
▲ +9.3% YoY
Deposits
$275.4M
▲ +7.7% YoY
Loans
$187.8M
▲ +20.5% YoY
Offices
5
FIRST OKMULGEE CORP
ROA (annualized)
1.08%
peers 1.24%
ROE (annualized)
11.10%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.4% | +5.0 pts |
| Deposit growth (YoY) | +7.7% | +4.0% | +3.7 pts |
| Loan growth (YoY) | +20.5% | +5.6% | +14.9 pts |
| ROA | 1.08% | 1.24% | -0.2 pts |
| ROE | 11.1% | 11.9% | -0.8 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
Profile
- Established
- 1917
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- FIRST OKMULGEE CORP
- Specialization
- Commercial Lending Specialization
- Address
- 610 E 8th St, Okmulgee, OK, 74447
- County
- Okmulgee
- Metro area
- Tulsa, OK
- Offices
- 5
- FDIC cert #
- 4170
- RSSD ID
- 634955
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $314.5M | $275.4M | $187.8M | $29.8M | $1.6M | 1.08% | 4.26% | 0.52% |
| Q1 2026 | $302.0M | $261.1M | $177.1M | $29.9M | $767K | 1.02% | 4.09% | 0.59% |
| Q4 2025 | $298.2M | $259.9M | $171.2M | $29.5M | $2.9M | 0.98% | 4.09% | 0.62% |
| Q3 2025 | $294.2M | $260.0M | $154.7M | $29.8M | $2.3M | 1.09% | 4.08% | 0.66% |
| Q2 2025 | $287.6M | $255.8M | $155.9M | $27.7M | $1.8M | 1.24% | 4.11% | 0.70% |
| Q1 2025 | $288.5M | $257.2M | $153.3M | $27.3M | $916K | 1.29% | 4.10% | 0.65% |
| Q4 2024 | $281.7M | $250.3M | $162.7M | $26.3M | $3.5M | 1.23% | 3.92% | 0.78% |
| Q3 2024 | $286.2M | $253.3M | $162.7M | $28.6M | $2.1M | 0.98% | 3.80% | 0.79% |
Loan mix (Q2 2026): real estate $156.2M · commercial $21.1M · consumer $7.3M · securities $93.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.96% | 67th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 62.9% | 80th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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