The First National Bank in Marlow: 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 Loan-to-deposit ratio: 8.87 percentage points lower than in Q1 2026, at 68.27%. The First National Bank in Marlow ranks 104th of 169 Oklahoma banks on return on assets, in the lower half at 1.21% (Q2 2026). The First National Bank in Marlow reported 1.21% on return on assets for Q2 2026, 0.22 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.14% |
| Tier 1 risk-based capital ratio | 13.14% |
| Total risk-based capital ratio | 14.40% |
| Tier 1 leverage ratio | 8.15% |
| Equity capital to assets | 7.15% |
| Tangible equity to tangible assets | 7.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 2.37% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 17.43% |
| Net interest margin | 4.58% |
| Efficiency ratio | 74.11% |
| Yield on earning assets | 5.78% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.27% |
| Core deposits to total deposits | 93.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.97% |
| Securities to assets | 16.73% |
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 | 12.25% | 12.25% | 12.66% | 7.87% | 1.01% |
| Q4 2023 | 11.76% | 11.76% | 12.18% | 7.87% | 0.66% |
| Q1 2024 | 12.29% | 12.29% | 12.75% | 7.85% | 0.34% |
| Q2 2024 | 12.47% | 12.47% | 12.93% | 8.24% | 0.70% |
| Q3 2024 | 12.10% | 12.10% | 12.62% | 8.17% | 0.55% |
| Q4 2024 | 12.05% | 12.05% | 12.56% | 8.09% | 0.42% |
| Q1 2025 | 11.31% | 11.31% | 11.98% | 7.61% | 0.87% |
| Q2 2025 | 11.42% | 11.42% | 12.15% | 7.84% | 0.46% |
| Q3 2025 | 10.33% | 10.33% | 11.59% | 7.22% | -3.08% |
| Q4 2025 | 10.90% | 10.90% | 12.16% | 7.65% | 1.49% |
| Q1 2026 | 11.35% | 11.35% | 12.61% | 7.97% | 1.25% |
| Q2 2026 | 13.14% | 13.14% | 14.40% | 8.15% | 1.21% |
The First National Bank in Marlow vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Marlow, 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 The First National Bank in Marlow profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26260) · FFIEC NIC profile (RSSD 17259)