First Oklahoma Bank: 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.
Reserve coverage of non-performing loans dropped 5.61 percentage points in Q2 2026, from 225.63% to 220.02%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First Oklahoma Bank is 128th of 169 on return on assets, 0.98% as of Q2 2026, below the middle of the field. First Oklahoma Bank reported 0.98% on return on assets for Q2 2026, 0.30 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.07% |
| Equity capital to assets | 8.77% |
| Tangible equity to tangible assets | 8.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 5.16% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 220.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 10.85% |
| Net interest margin | 3.70% |
| Efficiency ratio | 62.35% |
| Yield on earning assets | 6.42% |
| Cost of funds | 2.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.58% |
| Core deposits to total deposits | 65.27% |
| Brokered deposits to total deposits | 14.42% |
| Deposits to assets | 88.03% |
| Securities to assets | 1.40% |
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 | 9.47% | 0.91% | 4.02% | 0.02% | -0.00% |
| Q4 2023 | 9.30% | 0.71% | 3.49% | 0.08% | 0.05% |
| Q1 2024 | 9.39% | 0.15% | 3.32% | 0.32% | 2.07% |
| Q2 2024 | 9.25% | 0.96% | 3.37% | 0.19% | 0.23% |
| Q3 2024 | 9.30% | 1.01% | 3.48% | 0.19% | 0.05% |
| Q4 2024 | 9.22% | 0.94% | 3.42% | 0.55% | -0.00% |
| Q1 2025 | 9.10% | 0.71% | 3.26% | 0.41% | -0.00% |
| Q2 2025 | 9.26% | 0.81% | 3.48% | 0.73% | 0.22% |
| Q3 2025 | 9.11% | 0.93% | 3.63% | 0.66% | -0.00% |
| Q4 2025 | 9.05% | 0.97% | 3.56% | 0.60% | 0.06% |
| Q1 2026 | 9.04% | 0.84% | 3.57% | 0.42% | 0.03% |
| Q2 2026 | 9.07% | 0.98% | 3.70% | 0.43% | 0.11% |
First Oklahoma Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Oklahoma Bank, 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 First Oklahoma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12484) · FFIEC NIC profile (RSSD 75259)