| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +4.4% | -8.5 pts |
| Deposit growth (YoY) | -5.2% | +4.0% | -9.2 pts |
| Loan growth (YoY) | -15.8% | +5.6% | -21.4 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 6.2% | 11.9% | -5.7 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $242.3M | $201.7M | $150.8M | $37.3M | $1.1M | 0.92% | 3.49% | 5.71% |
| Q1 2026 | $250.8M | $209.3M | $160.2M | $37.2M | $528K | 0.84% | 3.29% | 6.43% |
| Q4 2025 | $253.5M | $211.3M | $165.0M | $36.8M | $1.3M | 0.51% | 3.17% | 6.53% |
| Q3 2025 | $250.6M | $209.0M | $173.7M | $36.2M | $1.1M | 0.56% | 3.14% | 6.50% |
| Q2 2025 | $252.6M | $212.7M | $179.1M | $34.5M | $781K | 0.61% | 3.09% | 6.35% |
| Q1 2025 | $256.6M | $213.4M | $184.4M | $34.7M | $426K | 0.66% | 2.98% | 6.02% |
| Q4 2024 | $260.4M | $214.5M | $188.2M | $33.5M | $3.0M | 1.10% | 3.09% | 3.49% |
| Q3 2024 | $271.8M | $229.0M | $197.5M | $35.0M | $2.7M | 1.31% | 3.07% | 4.02% |
Loan mix (Q2 2026): real estate $145.5M · commercial $4.3M · consumer $5.6M · securities $80.0M
| Ratio | The Idabel National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.0% | 62.9% | 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 | The Idabel National 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 | The Idabel National 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 | The Idabel National 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 | The Idabel National 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 | The Idabel National 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.
1 branches in 1 county across 1 state (+0 vs 2024) · $212.7M branch deposits. Biggest market: McCurtain, OK, ranked 2nd with 24.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McCurtain, OK | 1 | $212.7M | 24.71% | 2nd |
Oklahoma: 116th with 0.13% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1