Frazer 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 climbed 35.62 percentage points in Q2 2026, from 210.79% to 246.41%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Frazer Bank is 16th from the bottom among 169 Oklahoma banks, 0.32% (Q2 2026). Frazer Bank's return on assets of 0.32% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.93 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.05% |
| Tier 1 risk-based capital ratio | 17.05% |
| Total risk-based capital ratio | 18.30% |
| Tier 1 leverage ratio | 11.21% |
| Equity capital to assets | 10.25% |
| Tangible equity to tangible assets | 10.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.09% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 246.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.32% |
| Return on equity | 3.19% |
| Net interest margin | 3.24% |
| Efficiency ratio | 87.19% |
| Yield on earning assets | 4.97% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.88% |
| Core deposits to total deposits | 70.68% |
| Brokered deposits to total deposits | 25.74% |
| Deposits to assets | 89.52% |
| Securities to assets | 23.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.68% | 11.68% | 12.57% | 10.20% | 0.29% |
| Q4 2023 | 12.41% | 12.41% | 13.40% | 10.14% | 0.11% |
| Q1 2024 | 12.68% | 12.68% | 13.73% | 10.00% | 0.23% |
| Q2 2024 | 13.00% | 13.00% | 14.09% | 10.59% | 0.09% |
| Q3 2024 | 13.40% | 13.40% | 14.40% | 10.85% | 0.12% |
| Q4 2024 | 14.64% | 14.64% | 15.70% | 11.21% | 0.93% |
| Q1 2025 | 15.47% | 15.47% | 16.59% | 11.28% | 0.43% |
| Q2 2025 | 16.08% | 16.08% | 17.24% | 11.79% | 0.60% |
| Q3 2025 | 16.92% | 16.92% | 18.15% | 11.97% | 0.58% |
| Q4 2025 | 17.48% | 17.48% | 18.76% | 12.02% | 0.51% |
| Q1 2026 | 17.36% | 17.36% | 18.61% | 11.35% | 0.70% |
| Q2 2026 | 17.05% | 17.05% | 18.30% | 11.21% | 0.32% |
Frazer Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Frazer 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 Frazer Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4031) · FFIEC NIC profile (RSSD 245351)