First Texoma National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Texoma National Bank of Durant, 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 | 1.05% | 1.34% | -0.29% | 36th below |
| ROAE | 10.53% | 13.32% | -2.79% | 39th below |
| Net Interest Margin | 4.86% | 3.93% | +0.93% | 90th top |
| Efficiency Ratio | 70.33% | 61.13% | +9.20% | 27th below |
| PPNR / Avg Assets | 1.53% | 1.68% | -0.15% | 46th below |
| Yield on Earning Assets | 5.68% | 5.67% | +0.01% | 54th above |
| Cost of Funds | 0.90% | 1.88% | -0.98% | 93rd top |
| Net Interest Spread | 4.16% | 3.32% | +0.84% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.38% | 0.94% | +2.44% | 5th bottom |
| NPA / Total Assets | 2.37% | 0.70% | +1.67% | 5th bottom |
| NCO / Avg Loans | 0.37% | 0.16% | +0.21% | 8th bottom |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 68th above |
| ACL / NPLs (Coverage) | 40.01% | 1546.48% | -1506.47% | 7th bottom |
| Texas Ratio | 22.05% | 7.33% | +14.72% | 6th bottom |
| Provision / NCO | 56.50% | 1395.31% | -1338.81% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.60% | 12.14% | -0.54% | 59th above |
| Equity / Assets | 10.05% | 11.37% | -1.32% | 45th below |
| TCE / Tangible Assets | 9.87% | 11.08% | -1.21% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.25% | 80.66% | -5.41% | 61st above |
| Core Deposit Ratio | 89.35% | 86.85% | +2.50% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.09% | 6.84% | -5.75% | 26th below |
| Loan Growth (Y/Y) | 1.22% | 7.92% | -6.70% | 27th below |
| Deposit Growth (Y/Y) | 0.37% | 6.29% | -5.92% | 25th below |
See First Texoma National Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Texoma National 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 Texoma National Bank profile, how to read a UBPR, or how this data updates.