The Peoples National Bank of Checotah: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Peoples National Bank of Checotah of Checotah, 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 | 1.52% | 1.34% | +0.18% | 64th above |
| ROAE | 9.60% | 13.32% | -3.72% | 34th below |
| Net Interest Margin | 3.51% | 3.93% | -0.42% | 28th below |
| Efficiency Ratio | 59.22% | 61.13% | -1.91% | 56th above |
| PPNR / Avg Assets | 1.55% | 1.68% | -0.13% | 48th below |
| Yield on Earning Assets | 4.84% | 5.67% | -0.83% | 17th bottom |
| Cost of Funds | 1.55% | 1.88% | -0.33% | 66th above |
| Net Interest Spread | 2.62% | 3.32% | -0.70% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.53% | 0.94% | -0.41% | 44th below |
| NPA / Total Assets | 0.14% | 0.70% | -0.56% | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 2.69% | 1.28% | +1.41% | 98th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 508.61% | 1546.31% | -1037.70% | 71st above |
| Texas Ratio | 0.85% | 7.34% | -6.49% | 75th top |
| Provision / NCO | 0.00% | 1395.22% | -1395.22% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 43.68% | 19.48% | +24.20% | 97th top |
| Tier 1 Ratio | 43.68% | 19.51% | +24.17% | 97th top |
| Total Capital Ratio | 44.94% | 20.60% | +24.34% | 97th top |
| Leverage Ratio | 16.05% | 12.14% | +3.91% | 90th top |
| Equity / Assets | 15.98% | 11.36% | +4.62% | 91st top |
| TCE / Tangible Assets | 15.98% | 11.08% | +4.90% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 33.10% | 80.67% | -47.57% | 98th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.10% | 86.85% | +1.25% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.50% | 6.84% | -4.34% | 36th below |
| Loan Growth (Y/Y) | -0.69% | 7.92% | -8.61% | 20th bottom |
| Deposit Growth (Y/Y) | 1.97% | 6.29% | -4.32% | 35th below |
See The Peoples National Bank of Checotah's peers by name
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Unlock The Peoples National Bank of Checotah, 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 The Peoples National Bank of Checotah profile, how to read a UBPR, or how this data updates.