First Texoma National Bank: how it compares with its peers
Against 69 OK banks with half to twice its assets, First Texoma National Bank's strongest measure in Q2 2026 is net interest margin (4.99% vs. a 4.26% peer median). Its weakest relative measure is assets per employee ($3.9M vs. $6.3M).
| Measure | First Texoma National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.14% | 1.55% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.99% | 4.26% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.09% | 57.99% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $6.3M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.23% | 77.46% | Context |
What it means for lending operations
Its efficiency ratio of 70.09% is above the 57.99% 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
- First Security Bank and Trust Company Oklahoma City, OK · $226M
- Triad Bank, National Association Tulsa, OK · $229M
- Method Bank Wyandotte, OK · $241M
- The Idabel National Bank Idabel, OK · $242M
- Bank of Commerce Chelsea, OK · $203M
- Oklahoma Bank and Trust Company Clinton, OK · $202M
Questions about First Texoma National Bank
How big is First Texoma National Bank?
First Texoma National Bank, established in 1898, is headquartered in Durant, OK. It reported $225M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First Texoma National Bank's return on assets?
1.14% annualized in Q2 2026, against a 1.55% median for 69 OK banks with half to twice its assets, ahead of 30% of them.
What is First Texoma National Bank's efficiency ratio?
70.09% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 57.99%, and lower is better.
Is First Texoma National Bank growing its loans?
Net loans grew 1.3% over the year to Q2 2026, while deposits grew 0.4%.
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.