Oklahoma Bank and Trust Company: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15908.33 percentage points higher than in Q1 2026, at 60133.33%. Within Oklahoma, Oklahoma Bank and Trust Company is 88th of 169 on return on assets, 1.42% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Oklahoma Bank and Trust Company sits 0.16 points higher, at 1.42% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 40.55% |
| Tier 1 risk-based capital ratio | 40.55% |
| Total risk-based capital ratio | 41.82% |
| Tier 1 leverage ratio | 14.05% |
| Equity capital to assets | 12.97% |
| Tangible equity to tangible assets | 12.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.11% |
| Texas ratio | 1.52% |
| Allowance for credit losses to loans | 2.59% |
| Reserve coverage of non-performing loans | 60133.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 10.99% |
| Net interest margin | 2.87% |
| Efficiency ratio | 50.73% |
| Yield on earning assets | 4.58% |
| Cost of funds | 1.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 40.00% |
| Core deposits to total deposits | 82.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.98% |
| Securities to assets | 61.27% |
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 | 34.99% | 34.99% | 36.25% | 13.89% | 0.88% |
| Q4 2023 | 33.53% | 33.53% | 34.79% | 14.36% | 1.17% |
| Q1 2024 | 38.05% | 38.05% | 39.31% | 13.92% | 1.28% |
| Q2 2024 | 35.51% | 35.51% | 36.77% | 14.30% | 1.10% |
| Q3 2024 | 37.26% | 37.26% | 38.52% | 14.40% | 1.02% |
| Q4 2024 | 37.85% | 37.85% | 39.12% | 14.53% | 1.12% |
| Q1 2025 | 36.88% | 36.88% | 38.14% | 14.14% | 1.21% |
| Q2 2025 | 38.42% | 38.42% | 39.69% | 14.11% | 1.31% |
| Q3 2025 | 38.97% | 38.97% | 40.23% | 14.56% | 1.11% |
| Q4 2025 | 37.31% | 37.31% | 38.58% | 14.68% | 1.12% |
| Q1 2026 | 38.62% | 38.62% | 39.89% | 14.27% | 1.47% |
| Q2 2026 | 40.55% | 40.55% | 41.82% | 14.05% | 1.42% |
Oklahoma Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oklahoma Bank and Trust Company, 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 Oklahoma Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4067) · FFIEC NIC profile (RSSD 159953)