Latimer State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Latimer State Bank of Wilburton, OK against its peer group of 578 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 | 2.61% | 0.85% | +1.76% | 89th top |
| ROAE | 10.47% | 5.23% | +5.24% | 60th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.92% | 3.94% | -0.02% | 53rd above |
| Efficiency Ratio | 32.22% | 74.96% | -42.74% | 98th top |
| PPNR / Avg Assets | 2.61% | — | — | 91st top |
| Yield on Earning Assets | 4.62% | 5.42% | -0.80% | 26th below |
| Cost of Funds | 0.89% | 1.69% | -0.80% | 84th top |
| Net Interest Spread | 3.52% | — | — | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 1.34% | -1.15% | 53rd above |
| NPA / Total Assets | 0.04% | — | — | 58th above |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.67% | — | — | 75th top |
| ACL / NPLs (Coverage) | 860.00% | — | — | 87th top |
| Texas Ratio | 0.65% | 7.23% | -6.58% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 72.24% | 25.12% | +47.12% | 83rd top |
| Tier 1 Ratio | 72.24% | 25.12% | +47.12% | 83rd top |
| Total Capital Ratio | 73.19% | — | — | 83rd top |
| Leverage Ratio | 25.01% | 14.13% | +10.88% | 84th top |
| Equity / Assets | 24.81% | 13.07% | +11.74% | 85th top |
| TCE / Tangible Assets | 24.81% | — | — | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 26.11% | 68.58% | -42.47% | 93rd top |
| Core Deposit Ratio | 67.81% | 88.79% | -20.98% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.98% | — | — | 24th bottom |
| Loan Growth (Y/Y) | -1.72% | — | — | 32nd below |
| Deposit Growth (Y/Y) | -2.11% | — | — | 22nd bottom |
See Latimer State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Latimer State 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 Latimer State Bank profile, how to read a UBPR, or how this data updates.