Oklahoma Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oklahoma Bank and Trust Company of Clinton, 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 | 1.42% | 1.34% | +0.08% | 59th above |
| ROAE | 10.99% | 13.32% | -2.33% | 42nd below |
| Net Interest Margin | 2.87% | 3.93% | -1.06% | 7th bottom |
| Efficiency Ratio | 50.73% | 61.13% | -10.40% | 79th top |
| PPNR / Avg Assets | 1.45% | 1.68% | -0.23% | 41st below |
| Yield on Earning Assets | 4.58% | 5.67% | -1.09% | 10th bottom |
| Cost of Funds | 1.89% | 1.88% | +0.01% | 44th below |
| Net Interest Spread | 2.14% | 3.32% | -1.18% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 85th top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 87th top |
| NCO / Avg Loans | -0.11% | 0.16% | -0.27% | 97th top |
| ACL / Total Loans | 2.59% | 1.28% | +1.31% | 97th top |
| ACL / NPLs (Coverage) | 60133.33% | 1533.57% | +58599.76% | — |
| Texas Ratio | 1.52% | 7.34% | -5.82% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 40.55% | 19.48% | +21.07% | 96th top |
| Tier 1 Ratio | 40.55% | 19.51% | +21.04% | 96th top |
| Total Capital Ratio | 41.82% | 20.60% | +21.22% | 96th top |
| Leverage Ratio | 14.05% | 12.14% | +1.91% | 82nd top |
| Equity / Assets | 12.97% | 11.36% | +1.61% | 78th top |
| TCE / Tangible Assets | 12.97% | 11.08% | +1.89% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 40.00% | 80.67% | -40.67% | 96th top |
| Core Deposit Ratio | 82.87% | 86.85% | -3.98% | 24th bottom |
| Wholesale Funding Ratio | 0.64% | 5.04% | -4.40% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.63% | 6.84% | -2.21% | 52nd above |
| Loan Growth (Y/Y) | -3.00% | 7.92% | -10.92% | 12th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.76% | 6.29% | -1.53% | 55th above |
See Oklahoma Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oklahoma Bank and Trust Company, 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 Oklahoma Bank and Trust Company profile, how to read a UBPR, or how this data updates.