Community Bank of Oklahoma: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank of Oklahoma of Verden, OK against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.53% | 3.14% | -3.67% | 10th bottom |
| ROAE | -4.97% | 10.33% | -15.30% | 9th bottom |
| Net Interest Margin | 4.29% | 3.94% | +0.35% | 68th above |
| Efficiency Ratio | 57.44% | 76.35% | -18.91% | 74th above |
| PPNR / Avg Assets | 1.92% | 1.40% | +0.52% | 76th top |
| Yield on Earning Assets | 5.42% | 5.35% | +0.07% | 59th above |
| Cost of Funds | 1.20% | 1.70% | -0.50% | 68th above |
| Net Interest Spread | 3.07% | 3.32% | -0.25% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 1.34% | -1.17% | 54th above |
| NPA / Total Assets | 0.10% | 0.71% | -0.61% | 53rd above |
| NCO / Avg Loans | 4.09% | 0.09% | +4.00% | 1st bottom |
| ACL / Total Loans | 1.10% | 1.49% | -0.39% | 39th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 632.31% | 865.81% | -233.50% | 83rd top |
| Texas Ratio | 8.79% | 8.26% | +0.53% | 23rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 100.00% | 290.83% | -190.83% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.10% | 17.65% | -5.55% | 40th below |
| Equity / Assets | 10.92% | 16.46% | -5.54% | 35th below |
| TCE / Tangible Assets | 10.92% | 16.20% | -5.28% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.78% | 72.85% | -10.07% | 56th above |
| Core Deposit Ratio | 91.66% | 88.27% | +3.39% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.02% | 4.27% | -8.29% | 15th bottom |
| Loan Growth (Y/Y) | -3.54% | 6.77% | -10.31% | 24th bottom |
| Deposit Growth (Y/Y) | -5.25% | 3.74% | -8.99% | 12th bottom |
See Community Bank of Oklahoma's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank of Oklahoma, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community Bank of Oklahoma profile, how to read a UBPR, or how this data updates.