Oklahoma Heritage Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oklahoma Heritage Bank of Roff, OK against its peer group of 2725 similarly-sized US banks as of Q1 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.14% | 1.13% | -0.99% | 7th worst quarter |
| ROAE | 1.39% | 11.05% | -9.66% | 7th worst quarter |
| Net Interest Margin | 4.05% | 3.89% | +0.16% | 59th better half |
| Efficiency Ratio | 83.71% | 63.61% | +20.10% | 89th worst quarter |
| PPNR / Avg Assets | 0.26% | 1.47% | -1.21% | 6th worst quarter |
| Yield on Earning Assets | 6.26% | 5.63% | +0.63% | 76th |
| Cost of Funds | 2.22% | 1.91% | +0.31% | 68th worse half |
| Net Interest Spread | 3.43% | 3.21% | +0.22% | 61st better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.38% | -0.10% | 44th better half |
| NPA / Total Assets | 0.17% | 0.27% | -0.10% | 40th better half |
| NCO / Avg Loans | -0.01% | 0.01% | -0.02% | 11th best quarter |
| ACL / Total Loans | 1.28% | 1.19% | +0.09% | 59th |
| ACL / NPLs (Coverage) | 448.91% | 244.99% | +203.92% | 66th better half |
| Texas Ratio | 2.27% | 2.43% | -0.16% | 48th better half |
| Provision / NCO | -277.78% | — | — | — |
| CRE / Total Capital | 120.91% | 121.38% | -0.47% | 50th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 10.82% | 14.89% | -4.07% | 8th worst quarter |
| Tier 1 Ratio | 10.82% | 14.90% | -4.08% | 8th worst quarter |
| Total Capital Ratio | 11.95% | 16.02% | -4.07% | 9th worst quarter |
| Leverage Ratio | 7.90% | 10.79% | -2.89% | 2nd worst quarter |
| Equity / Assets | 10.16% | 10.19% | -0.03% | 50th worse half |
| TCE / Tangible Assets | 7.15% | 9.94% | -2.79% | 9th worst quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 76.78% | 80.34% | -3.56% | 43rd |
| Core Deposit Ratio | 91.25% | 89.01% | +2.24% | 63rd better half |
| Borrowings / Total Assets | 6.71% | 3.84% | +2.87% | 71st worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.61% | 4.71% | +0.90% | 57th |
| Loan Growth (Y/Y) | -4.56% | 5.56% | -10.12% | 7th |
| Deposit Growth (Y/Y) | 1.36% | 4.07% | -2.71% | 31st |
See Oklahoma Heritage Bank's peers by name
The 2725 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 Oklahoma Heritage 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 Oklahoma Heritage Bank peer analysis.