Oklahoma Capital Bank: how it compares with its peers
Against 64 OK banks with half to twice its assets, Oklahoma Capital Bank's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $6.2M peer median). Its weakest relative measure is return on assets (1.29% vs. 1.57%).
| Measure | Oklahoma Capital Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.57% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.73% | 4.26% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.04% | 58.94% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $6.2M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.43% | 75.02% | Context |
What it means for lending operations
Its efficiency ratio of 53.04% is better than the 58.94% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- THE SEILING STATE BANK Seiling, OK · $195M
- The Farmers State Bank Quinton, OK · $194M
- The Bank of the West Thomas, OK · $192M
- The First National Bank and Trust Company of Miami Miami, OK · $191M
- Oklahoma Bank and Trust Company Clinton, OK · $202M
- First Enterprise Bank Oklahoma City, OK · $190M
Questions about Oklahoma Capital Bank
How big is Oklahoma Capital Bank?
Oklahoma Capital Bank, established in 1963, is headquartered in Tulsa, OK. It reported $196M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Oklahoma Capital Bank's return on assets?
1.29% annualized in Q2 2026, against a 1.57% median for 64 OK banks with half to twice its assets, ahead of 38% of them.
What is Oklahoma Capital Bank's efficiency ratio?
53.04% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 58.94%, and lower is better.
Is Oklahoma Capital Bank growing its loans?
Net loans grew 30.8% over the year to Q2 2026, while deposits grew 21.7%.
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.