First National Bank of Oklahoma: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Oklahoma of Oklahoma City, OK against its peer group of 2603 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 | 2.39% | 1.34% | +1.05% | 93rd top |
| ROAE | 23.32% | 13.31% | +10.01% | 94th top |
| Net Interest Margin | 4.32% | 3.93% | +0.39% | 71st above |
| Efficiency Ratio | 44.41% | 61.15% | -16.74% | 90th top |
| PPNR / Avg Assets | 2.44% | 1.68% | +0.76% | 88th top |
| Yield on Earning Assets | 6.78% | 5.67% | +1.11% | 92nd top |
| Cost of Funds | 2.71% | 1.88% | +0.83% | 10th bottom |
| Net Interest Spread | 3.49% | 3.32% | +0.17% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.45% | 0.94% | +0.51% | 19th bottom |
| NPA / Total Assets | 1.39% | 0.70% | +0.69% | 13th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.16% | -0.04% | 17th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 87.59% | 1547.59% | -1460.00% | 23rd bottom |
| Texas Ratio | 12.84% | 7.33% | +5.51% | 16th bottom |
| Provision / NCO | 98.79% | 1396.68% | -1297.89% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.23% | 19.49% | -6.26% | 31st below |
| Tier 1 Ratio | 13.23% | 19.53% | -6.30% | 31st below |
| Total Capital Ratio | 14.48% | 20.61% | -6.13% | 32nd below |
| Leverage Ratio | 10.46% | 12.14% | -1.68% | 40th below |
| Equity / Assets | 10.07% | 11.37% | -1.30% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.07% | 11.08% | -1.01% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.13% | 80.65% | +12.48% | 22nd bottom |
| Core Deposit Ratio | 86.56% | 86.85% | -0.29% | 37th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.00% | 5.04% | -1.04% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.76% | 6.84% | +1.92% | 79th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.38% | 7.92% | -1.54% | 57th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.41% | 6.29% | -0.88% | 60th above |
See First National Bank of Oklahoma's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Oklahoma, 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 National Bank of Oklahoma profile, how to read a UBPR, or how this data updates.