The First Farmers National Bank of Waurika: 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 Loan-to-deposit ratio: 6.37 percentage points lower than in Q1 2026, at 38.01%. The First Farmers National Bank of Waurika ranks 79th of 169 Oklahoma banks on return on assets, in the upper half at 1.52% (Q2 2026). The First Farmers National Bank of Waurika's return on assets of 1.52% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.54 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 | 19.31% |
| Equity capital to assets | 14.98% |
| Tangible equity to tangible assets | 14.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 5.83% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.52% |
| Return on equity | 10.89% |
| Net interest margin | 3.30% |
| Efficiency ratio | 48.72% |
| Yield on earning assets | 4.74% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 38.01% |
| Core deposits to total deposits | 85.21% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.78% |
| Securities to assets | 49.99% |
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 | 18.54% | 1.10% | 2.91% | 0.00% | -0.07% |
| Q4 2023 | 18.49% | 0.36% | 3.03% | 0.18% | 0.22% |
| Q1 2024 | 18.32% | 1.13% | 3.21% | 0.27% | -0.02% |
| Q2 2024 | 18.86% | 1.08% | 2.80% | 0.25% | -0.02% |
| Q3 2024 | 19.45% | 1.17% | 2.96% | 0.20% | -0.26% |
| Q4 2024 | 18.74% | 0.44% | 3.13% | 0.08% | 0.12% |
| Q1 2025 | 18.67% | 1.32% | 3.24% | 0.05% | 0.00% |
| Q2 2025 | 19.16% | 1.20% | 3.08% | 0.04% | -0.16% |
| Q3 2025 | 19.56% | 1.17% | 3.12% | 0.04% | 0.00% |
| Q4 2025 | 19.42% | 0.45% | 3.24% | 0.00% | -0.15% |
| Q1 2026 | 19.16% | 1.53% | 3.53% | 0.00% | 0.02% |
| Q2 2026 | 19.31% | 1.52% | 3.30% | 0.00% | 0.00% |
The First Farmers National Bank of Waurika vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Farmers National Bank of Waurika, 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 Farmers National Bank of Waurika profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4222) · FFIEC NIC profile (RSSD 353957)