First Bethany Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bethany Bank & Trust of Bethany, OK against its peer group of 2757 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 | 1.17% | 1.25% | -0.08% | 42nd below |
| ROAE | 21.11% | 12.22% | +8.89% | 89th top |
| Net Interest Margin | 3.21% | 3.95% | -0.74% | 16th bottom |
| Efficiency Ratio | 60.74% | 63.71% | -2.97% | 51st above |
| PPNR / Avg Assets | 1.28% | — | — | 32nd below |
| Yield on Earning Assets | 4.96% | 5.67% | -0.71% | 21st bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.87% | -0.04% | 47th below |
| Net Interest Spread | 2.66% | — | — | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.88% | -0.70% | 67th above |
| NPA / Total Assets | 0.11% | — | — | 69th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.96% | — | — | 22nd bottom |
| ACL / NPLs (Coverage) | 530.00% | — | — | 71st above |
| Texas Ratio | 1.77% | 5.96% | -4.19% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.10% | 11.75% | -2.65% | 14th bottom |
| Equity / Assets | 5.81% | 10.98% | -5.17% | 2nd bottom |
| TCE / Tangible Assets | 5.81% | — | — | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.75% | 80.44% | -7.69% | 66th above |
| Core Deposit Ratio | 85.91% | 86.95% | -1.04% | 34th below |
| Wholesale Funding Ratio | 7.21% | — | — | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.25% | — | — | 70th above |
| Loan Growth (Y/Y) | 14.96% | — | — | 85th top |
| Deposit Growth (Y/Y) | 8.57% | — | — | 78th top |
See First Bethany Bank & Trust's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bethany Bank & Trust, 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 First Bethany Bank & Trust profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Bethany Bank & Trust peer analysis.