AVB Bank: how it compares with its peers
Against 61 OK banks with half to twice its assets, AVB Bank's strongest measure in Q2 2026 is net interest margin (4.23% vs. a 4.16% peer median). Its weakest relative measure is return on assets (0.93% vs. 1.42%).
| Measure | AVB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 1.42% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.23% | 4.16% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.96% | 61.26% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $6.7M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.37% | 79.18% | Context |
What it means for lending operations
Its efficiency ratio of 71.96% is above the 61.26% 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
- All America Bank Oklahoma City, OK · $611M
- Frontier State Bank Oklahoma City, OK · $609M
- Wisdom Heritage Bank Alva, OK · $601M
- Cattlemens Bank Altus, OK · $595M
- First Bank of Owasso Owasso, OK · $639M
- First National Bank & Trust Company of McAlester Mcalester, OK · $580M
Questions about AVB Bank
How big is AVB Bank?
AVB Bank, established in 1905, is headquartered in Broken Arrow, OK. It reported $612M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is AVB Bank's return on assets?
0.93% annualized in Q2 2026, against a 1.42% median for 61 OK banks with half to twice its assets, ahead of 21% of them.
What is AVB Bank's efficiency ratio?
71.96% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 61.26%, and lower is better.
Is AVB Bank growing its loans?
Net loans grew 4.3% over the year to Q2 2026, while deposits grew 17.0%.
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.