The First Farmers National Bank of Waurika: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First Farmers National Bank of Waurika of Waurika, 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 Behind the peer average, ahead of the median peer. | 1.52% | 3.13% | -1.61% | 69th above |
| ROAE | 10.89% | 10.30% | +0.59% | 63rd above |
| Net Interest Margin | 3.30% | 3.94% | -0.64% | 23rd bottom |
| Efficiency Ratio | 48.72% | 76.36% | -27.64% | 89th top |
| PPNR / Avg Assets | 1.52% | 1.40% | +0.12% | 61st above |
| Yield on Earning Assets | 4.74% | 5.35% | -0.61% | 30th below |
| Cost of Funds | 1.72% | 1.70% | +0.02% | 41st below |
| Net Interest Spread | 2.59% | 3.32% | -0.73% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 5.83% | 1.48% | +4.35% | 99th top |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
| Provision / NCO | 0.00% | 291.06% | -291.06% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.31% | 17.64% | +1.67% | 79th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.98% | 16.45% | -1.47% | 66th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.98% | 16.19% | -1.21% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 38.01% | 72.89% | -34.88% | 86th top |
| Core Deposit Ratio | 85.21% | 88.28% | -3.07% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.07% | 4.26% | +0.81% | 64th above |
| Loan Growth (Y/Y) | 9.27% | 6.75% | +2.52% | 76th top |
| Deposit Growth (Y/Y) | 3.87% | 3.72% | +0.15% | 60th above |
See The First Farmers National Bank of Waurika's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First Farmers National Bank of Waurika, 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 Farmers National Bank of Waurika profile, how to read a UBPR, or how this data updates.