Community Bank of Oklahoma: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 598.31 percentage points higher than in Q1 2026, at 632.31%. On return on assets, Community Bank of Oklahoma is 7th from the bottom among 169 Oklahoma banks, -0.53% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Community Bank of Oklahoma reported -0.53% on return on assets in Q2 2026, 1.51 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.10% |
| Equity capital to assets | 10.92% |
| Tangible equity to tangible assets | 10.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 4.09% |
| Texas ratio | 8.79% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 632.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.53% |
| Return on equity | -4.97% |
| Net interest margin | 4.29% |
| Efficiency ratio | 57.44% |
| Yield on earning assets | 5.42% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.78% |
| Core deposits to total deposits | 91.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.26% |
| Securities to assets | 15.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.66% | 17.66% | 18.36% | 10.10% | 1.89% |
| Q4 2023 | 17.58% | 17.58% | 18.26% | 10.32% | 0.71% |
| Q1 2024 | 16.33% | 16.33% | 17.00% | 10.09% | 1.68% |
| Q2 2024 | 16.77% | 16.77% | 17.43% | 10.59% | 1.44% |
| Q3 2024 | 16.33% | 16.33% | 16.95% | 11.13% | 1.79% |
| Q4 2024 | 16.64% | 16.64% | 17.26% | 12.27% | 0.83% |
| Q1 2025 | — | — | — | 11.66% | 0.98% |
| Q2 2025 | 15.64% | 15.64% | 16.24% | 11.33% | 1.53% |
| Q3 2025 | — | — | — | 12.15% | 1.87% |
| Q4 2025 | — | — | — | 13.12% | 0.56% |
| Q1 2026 | — | — | — | 12.46% | 1.85% |
| Q2 2026 | — | — | — | 12.10% | -0.53% |
Community Bank of Oklahoma vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Oklahoma, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Bank of Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4217) · FFIEC NIC profile (RSSD 412452)