The First Bank of Okarche: 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.
Reserve coverage of non-performing loans climbed 18.73 percentage points in Q2 2026, from 223.97% to 242.70%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The First Bank of Okarche is 23rd of 169 on return on assets, 2.23% as of Q2 2026, above the middle of the field. The First Bank of Okarche's return on assets of 2.23% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.97 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.13% |
| Equity capital to assets | 16.20% |
| Tangible equity to tangible assets | 16.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.04% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | -0.20% |
| Texas ratio | 1.93% |
| Allowance for credit losses to loans | 2.53% |
| Reserve coverage of non-performing loans | 242.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.23% |
| Return on equity | 14.00% |
| Net interest margin | 3.51% |
| Efficiency ratio | 33.63% |
| Yield on earning assets | 4.34% |
| Cost of funds | 0.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 37.92% |
| Core deposits to total deposits | 89.03% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.04% |
| Securities to assets | 36.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.54% | 2.46% | 3.74% | 0.00% | 0.72% |
| Q4 2023 | 12.45% | 2.42% | 3.86% | 0.00% | 0.00% |
| Q1 2024 | 13.03% | 2.83% | 4.03% | 0.00% | 0.12% |
| Q2 2024 | 13.73% | 2.73% | 3.92% | 0.10% | -0.10% |
| Q3 2024 | 14.23% | 2.30% | 3.85% | 0.10% | 0.01% |
| Q4 2024 | 13.88% | 2.04% | 3.57% | 0.06% | 0.12% |
| Q1 2025 | 14.24% | 2.41% | 3.86% | 0.05% | 0.00% |
| Q2 2025 | 14.62% | 2.52% | 3.75% | 0.00% | 0.00% |
| Q3 2025 | 15.00% | 2.54% | 3.63% | 0.00% | 1.20% |
| Q4 2025 | 15.09% | 2.16% | 3.74% | 0.00% | 0.04% |
| Q1 2026 | 15.88% | 2.49% | 3.92% | 0.84% | -0.10% |
| Q2 2026 | 16.13% | 2.23% | 3.51% | 1.04% | -0.20% |
The First Bank of Okarche vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank of Okarche, 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 The First Bank of Okarche profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1165) · FFIEC NIC profile (RSSD 918150)