Firstoak 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.
Loan-to-deposit ratio climbed 0.94 percentage points in Q2 2026, from 87.20% to 88.14%. It was the largest change from Q1 2026 among the key lines here. Firstoak Bank ranks 122nd of 182 Kansas banks on return on assets, in the lower half at 1.29% (Q2 2026). At 1.29%, Firstoak Bank's return on assets is close to the 1.26% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.48% |
| Equity capital to assets | 11.00% |
| Tangible equity to tangible assets | 10.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 11.96% |
| Net interest margin | 5.12% |
| Efficiency ratio | 71.47% |
| Yield on earning assets | 6.42% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.14% |
| Core deposits to total deposits | 79.38% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.02% |
| Securities to assets | 8.72% |
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 | 9.44% | 1.98% | 4.90% | 0.00% | 0.00% |
| Q4 2023 | 9.81% | 2.12% | 5.24% | 0.00% | 0.00% |
| Q1 2024 | 9.80% | 1.59% | 4.91% | 0.00% | 0.00% |
| Q2 2024 | 9.57% | 2.11% | 4.96% | 0.00% | 0.00% |
| Q3 2024 | 9.90% | 1.97% | 4.96% | 0.00% | 0.00% |
| Q4 2024 | 10.12% | 1.65% | 4.99% | 0.00% | 0.00% |
| Q1 2025 | 10.06% | 1.77% | 4.87% | 0.00% | 0.00% |
| Q2 2025 | 10.11% | 2.02% | 5.13% | 0.00% | 0.00% |
| Q3 2025 | 9.98% | 1.86% | 5.26% | 0.00% | 0.00% |
| Q4 2025 | 10.13% | 1.50% | 5.31% | 0.00% | 0.00% |
| Q1 2026 | 10.12% | 1.38% | 5.11% | 0.00% | 0.00% |
| Q2 2026 | 10.48% | 1.29% | 5.12% | 0.00% | 0.00% |
Firstoak Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Firstoak 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 Firstoak Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4660) · FFIEC NIC profile (RSSD 916857)