The Hopeton State Bank: how it compares with its peers
Against 18 OK banks with half to twice its assets, The Hopeton State Bank's strongest measure in Q2 2026 is net interest margin (4.34% vs. a 4.32% peer median). Its weakest relative measure is efficiency ratio (122.82% vs. 69.41%).
| Measure | The Hopeton State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.79% | 1.40% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.34% | 4.32% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 122.82% | 69.41% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.4M | $3.9M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.25% | 50.28% | Context |
What it means for lending operations
Its efficiency ratio of 122.82% is above the 69.41% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Vici Vici, OK · $29M
- First Summit Bank Ryan, OK · $34M
- First American Bank Stonewall, OK · $34M
- First State Bank in Temple Temple, OK · $26M
- The First National Bank of Fletcher Fletcher, OK · $23M
- Farmers and Merchants Bank Maysville, OK · $22M
Questions about The Hopeton State Bank
How big is The Hopeton State Bank?
The Hopeton State Bank, established in 1919, is headquartered in Hopeton, OK. It reported $31M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Hopeton State Bank's return on assets?
-0.79% annualized in Q2 2026, against a 1.40% median for 18 OK banks with half to twice its assets, ahead of 6% of them.
What is The Hopeton State Bank's efficiency ratio?
122.82% in Q2 2026: it spent about 123 cents in noninterest expense for each dollar of revenue. The peer median is 69.41%, and lower is better.
Is The Hopeton State Bank growing its loans?
Net loans grew 54.7% over the year to Q2 2026, while deposits grew 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.