First Security Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Security Bank and Trust Company 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 | -0.61% | 1.35% | -1.96% | 3rd bottom |
| ROAE | -6.04% | 13.33% | -19.37% | 3rd bottom |
| Net Interest Margin | 3.90% | 3.93% | -0.03% | 48th below |
| Efficiency Ratio | 86.99% | 61.13% | +25.86% | 8th bottom |
| PPNR / Avg Assets | 0.53% | 1.68% | -1.15% | 9th bottom |
| Yield on Earning Assets | 7.15% | 5.67% | +1.48% | 96th top |
| Cost of Funds | 3.61% | 1.88% | +1.73% | 1st bottom |
| Net Interest Spread | 3.23% | 3.32% | -0.09% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 9.25% | 0.94% | +8.31% | 0th bottom |
| NPA / Total Assets | 8.22% | 0.70% | +7.52% | 0th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 21st bottom |
| ACL / Total Loans | 2.07% | 1.28% | +0.79% | 94th top |
| ACL / NPLs (Coverage) | 22.35% | 1546.48% | -1524.13% | 2nd bottom |
| Texas Ratio | 96.87% | 7.32% | +89.55% | 0th bottom |
| Provision / NCO | 1360.71% | 1394.88% | -34.17% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.09% | 12.14% | -2.05% | 34th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.54% | 11.36% | -0.82% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.54% | 11.08% | -0.54% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 110.32% | 80.66% | +29.66% | 3rd bottom |
| Core Deposit Ratio | 81.97% | 86.85% | -4.88% | 20th bottom |
| Wholesale Funding Ratio | 9.03% | 5.03% | +4.00% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.57% | 6.84% | -7.41% | 16th bottom |
| Loan Growth (Y/Y) | -4.48% | 7.92% | -12.40% | 8th bottom |
| Deposit Growth (Y/Y) | 2.56% | 6.29% | -3.73% | 39th below |
See First Security Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Security Bank and Trust Company, 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 Security Bank and Trust Company profile, how to read a UBPR, or how this data updates.