The First Bank of Okarche: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First Bank of Okarche of Okarche, OK against its peer group of 2672 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 | 2.23% | 1.34% | +0.89% | 91st top |
| ROAE | 14.00% | 13.31% | +0.69% | 60th above |
| Net Interest Margin | 3.51% | 3.93% | -0.42% | 28th below |
| Efficiency Ratio | 33.63% | 61.14% | -27.51% | 98th top |
| PPNR / Avg Assets | 2.36% | 1.68% | +0.68% | 86th top |
| Yield on Earning Assets | 4.34% | 5.67% | -1.33% | 6th bottom |
| Cost of Funds | 0.96% | 1.88% | -0.92% | 92nd top |
| Net Interest Spread | 2.83% | 3.32% | -0.49% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.04% | 0.94% | +0.10% | 27th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.33% | 0.70% | -0.37% | 49th below |
| NCO / Avg Loans | -0.20% | 0.16% | -0.36% | 98th top |
| ACL / Total Loans | 2.53% | 1.28% | +1.25% | 97th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 242.70% | 1538.86% | -1296.16% | 54th above |
| Texas Ratio | 1.93% | 7.33% | -5.40% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.13% | 12.14% | +3.99% | 90th top |
| Equity / Assets | 16.20% | 11.37% | +4.83% | 91st top |
| TCE / Tangible Assets | 16.20% | 11.09% | +5.11% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 37.92% | 80.64% | -42.72% | 96th top |
| Core Deposit Ratio | 89.03% | 86.86% | +2.17% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.35% | 6.85% | -8.20% | 13th bottom |
| Loan Growth (Y/Y) | -2.23% | 7.90% | -10.13% | 14th bottom |
| Deposit Growth (Y/Y) | -3.32% | 6.29% | -9.61% | 9th bottom |
See The First Bank of Okarche's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First Bank of Okarche, 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 The First Bank of Okarche profile, how to read a UBPR, or how this data updates.