First National Bank & Trust, Elk City, 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 & Trust, Elk City, Oklahoma of Elk 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 | 2.04% | 1.34% | +0.70% | 86th top |
| ROAE | 22.33% | 13.32% | +9.01% | 92nd top |
| Net Interest Margin | 3.89% | 3.93% | -0.04% | 47th below |
| Efficiency Ratio | 47.63% | 61.13% | -13.50% | 85th top |
| PPNR / Avg Assets | 2.04% | 1.68% | +0.36% | 74th above |
| Yield on Earning Assets | 5.37% | 5.67% | -0.30% | 38th below |
| Cost of Funds | 1.67% | 1.88% | -0.21% | 58th above |
| Net Interest Spread | 3.18% | 3.32% | -0.14% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.55% | 0.94% | -0.39% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.34% | 0.70% | -0.36% | 48th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans | 1.99% | 1.28% | +0.71% | 93rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 363.09% | 1546.49% | -1183.40% | 64th above |
| Texas Ratio | 3.16% | 7.34% | -4.18% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.09% | 12.14% | +0.95% | 76th top |
| Equity / Assets | 9.74% | 11.37% | -1.63% | 40th below |
| TCE / Tangible Assets | 9.74% | 11.08% | -1.34% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.25% | 80.67% | -22.42% | 85th top |
| Core Deposit Ratio | 84.59% | 86.85% | -2.26% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.09% | 6.84% | -8.93% | 10th bottom |
| Loan Growth (Y/Y) | -2.82% | 7.92% | -10.74% | 12th bottom |
| Deposit Growth (Y/Y) | -4.37% | 6.29% | -10.66% | 8th bottom |
See First National Bank & Trust, Elk City, 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 & Trust, Elk City, 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 & Trust, Elk City, Oklahoma profile, how to read a UBPR, or how this data updates.