Oklahoma State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oklahoma State Bank of Buffalo, 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 | 2.86% | 0.85% | +2.01% | 91st top |
| ROAE | 28.20% | 5.23% | +22.97% | 96th top |
| Net Interest Margin | 5.82% | 3.94% | +1.88% | 97th top |
| Efficiency Ratio | 52.47% | 76.13% | -23.66% | 85th top |
| PPNR / Avg Assets | 2.86% | — | — | 92nd top |
| Yield on Earning Assets | 7.10% | 5.42% | +1.68% | 95th top |
| Cost of Funds | 1.38% | 1.69% | -0.31% | 59th above |
| Net Interest Spread | 4.96% | — | — | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.47% | 1.23% | +0.24% | 27th below |
| NPA / Total Assets | 1.04% | — | — | 21st bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.11% | -0.08% | 23rd bottom |
| ACL / Total Loans | 0.79% | — | — | 15th bottom |
| ACL / NPLs (Coverage) | 54.18% | — | — | 23rd bottom |
| Texas Ratio | 9.38% | 7.23% | +2.15% | 19th bottom |
| Provision / NCO | 0.00% | — | — | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.51% | 25.12% | -10.61% | 17th bottom |
| Tier 1 Ratio | 14.51% | 25.12% | -10.61% | 17th bottom |
| Total Capital Ratio | 15.28% | — | — | 15th bottom |
| Leverage Ratio | 10.36% | 14.13% | -3.77% | 21st bottom |
| Equity / Assets | 10.53% | 13.07% | -2.54% | 30th below |
| TCE / Tangible Assets | 10.53% | — | — | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.50% | 68.58% | +10.92% | 32nd below |
| Core Deposit Ratio | 92.04% | 88.79% | +3.25% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.23% | — | — | 38th below |
| Loan Growth (Y/Y) | 13.11% | — | — | 83rd top |
| Deposit Growth (Y/Y) | 1.26% | — | — | 43rd below |
See Oklahoma State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oklahoma 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 Oklahoma State 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 State Bank peer analysis.