First Oklahoma Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Oklahoma Bank of Jenks, OK against its peer group of 931 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 | 0.98% | 1.46% | -0.48% | 28th below |
| ROAE | 10.85% | 12.72% | -1.87% | 39th below |
| Net Interest Margin | 3.70% | 3.85% | -0.15% | 49th below |
| Efficiency Ratio | 62.35% | 57.40% | +4.95% | 38th below |
| PPNR / Avg Assets | 1.48% | 1.88% | -0.40% | 36th below |
| Yield on Earning Assets | 6.42% | 5.72% | +0.70% | 87th top |
| Cost of Funds | 2.91% | 2.02% | +0.89% | 10th bottom |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.11% | 3.18% | -0.07% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.43% | 1.00% | -0.57% | 64th above |
| NPA / Total Assets | 0.39% | 0.76% | -0.37% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 27th below |
| ACL / Total Loans | 0.95% | 1.31% | -0.36% | 24th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 220.02% | 543.52% | -323.50% | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.16% | 7.39% | -2.23% | 48th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 282.02% | 618.81% | -336.79% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.07% | 11.44% | -2.37% | 13th bottom |
| Equity / Assets | 8.77% | 11.34% | -2.57% | 17th bottom |
| TCE / Tangible Assets | 8.73% | 10.50% | -1.77% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.58% | 86.95% | +10.63% | 23rd bottom |
| Core Deposit Ratio | 65.27% | 85.56% | -20.29% | 5th bottom |
| Uninsured Deposit Ratio | 26.39% | 33.13% | -6.74% | 67th above |
| Wholesale Funding Ratio | 2.84% | 5.71% | -2.87% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.71% | 9.68% | +2.03% | 81st top |
| Loan Growth (Y/Y) | 12.76% | 8.05% | +4.71% | 80th top |
| Deposit Growth (Y/Y) | 12.52% | 7.87% | +4.65% | 82nd top |
See First Oklahoma Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Oklahoma Bank, 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 Oklahoma Bank profile, how to read a UBPR, or how this data updates.