Frazer Bank: how it compares with its peers
Against 70 OK banks with half to twice its assets, Frazer Bank's strongest measure in Q2 2026 is assets per employee ($6.8M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (3.31% vs. 4.20%).
| Measure | Frazer Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.51% | 1.48% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.31% | 4.20% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.93% | 61.45% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.4M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.94% | 76.11% | Context |
What it means for lending operations
Its efficiency ratio of 79.93% is above the 61.45% 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
- Sooner State Bank Tuttle, OK · $355M
- Citizens Bank of Ada Ada, OK · $354M
- The Pauls Valley National Bank Pauls Valley, OK · $357M
- Cowboy Bank Kremlin, OK · $350M
- The First Security Bank Beaver, OK · $335M
- Bank of Commerce Duncan, OK · $334M
Questions about Frazer Bank
How big is Frazer Bank?
Frazer Bank, established in 1902, is headquartered in Altus, OK. It reported $354M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Frazer Bank's return on assets?
0.51% annualized in Q2 2026, against a 1.48% median for 70 OK banks with half to twice its assets, ahead of 10% of them.
What is Frazer Bank's efficiency ratio?
79.93% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 61.45%, and lower is better.
Is Frazer Bank growing its loans?
Net loans shrank 11.0% over the year to Q2 2026, while deposits grew 1.8%.
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.