Kirkpatrick Bank: how it compares with its peers
Against 39 OK banks with half to twice its assets, Kirkpatrick Bank's strongest measure in Q2 2026 is return on assets (1.66% vs. a 1.30% peer median). Its weakest relative measure is net interest margin (3.41% vs. 4.18%).
| Measure | Kirkpatrick Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.66% | 1.30% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.41% | 4.18% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.26% | 62.85% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $7.3M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.53% | 82.76% | Context |
What it means for lending operations
Its efficiency ratio of 61.26% is better than the 62.85% 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
- Vision Bank Ada, OK · $1000M
- MapleMark Bank Tulsa, OK · $1.01B
- Grand Savings Bank Grove, OK · $1.03B
- First Bank & Trust Co. Duncan, OK · $952M
- First National Bank of Oklahoma Oklahoma City, OK · $950M
- Security Bank Tulsa, OK · $939M
Questions about Kirkpatrick Bank
How big is Kirkpatrick Bank?
Kirkpatrick Bank, established in 1970, is headquartered in Edmond, OK. It reported $1.00B in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Kirkpatrick Bank's return on assets?
1.66% annualized in Q2 2026, against a 1.30% median for 39 OK banks with half to twice its assets, ahead of 69% of them.
What is Kirkpatrick Bank's efficiency ratio?
61.26% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 62.85%, and lower is better.
Is Kirkpatrick Bank growing its loans?
Net loans shrank 1.2% over the year to Q2 2026, while deposits grew 4.9%.
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.