Kirkpatrick Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kirkpatrick Bank of Edmond, OK against its peer group of 941 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 | 2.34% | 1.34% | +1.00% | 94th top |
| ROAE | 28.43% | 12.40% | +16.03% | 97th top |
| Net Interest Margin | 3.16% | 3.83% | -0.67% | 20th bottom |
| Efficiency Ratio | 50.59% | 57.84% | -7.25% | 74th above |
| PPNR / Avg Assets | 2.34% | — | — | 83rd top |
| Yield on Earning Assets | 4.99% | 5.71% | -0.72% | 19th bottom |
| Cost of Funds | 2.06% | 2.02% | +0.04% | 47th below |
| Net Interest Spread | 2.42% | — | — | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.00% | -1.00% | 99th top |
| NPA / Total Assets | 0.00% | — | — | 98th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 83rd top |
| ACL / Total Loans | 2.32% | — | — | 97th top |
| Texas Ratio | 0.00% | 5.47% | -5.47% | 96th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.28% | 14.99% | +0.29% | 72nd above |
| Tier 1 Ratio | 15.28% | 15.02% | +0.26% | 71st above |
| Total Capital Ratio | 16.54% | — | — | 73rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.67% | 11.11% | -0.44% | 53rd above |
| Equity / Assets | 9.07% | 11.02% | -1.95% | 23rd bottom |
| TCE / Tangible Assets | 9.04% | — | — | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.37% | 86.99% | -7.62% | 71st above |
| Core Deposit Ratio | 83.32% | 85.57% | -2.25% | 29th below |
| Wholesale Funding Ratio | 0.85% | — | — | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.18% | — | — | 28th below |
| Loan Growth (Y/Y) | -1.21% | — | — | 12th bottom |
| Deposit Growth (Y/Y) | 4.90% | — | — | 49th below |
See Kirkpatrick Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kirkpatrick 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 Kirkpatrick Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Kirkpatrick Bank peer analysis.