Oklahoma Bank and Trust Company: how it compares with its peers
Against 66 OK banks with half to twice its assets, Oklahoma Bank and Trust Company's strongest measure in Q2 2026 is assets per employee ($7.5M vs. a $6.3M peer median). Its weakest relative measure is net interest margin (2.76% vs. 4.26%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.57% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.76% | 4.26% | Bottom third Ahead of 2% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.46% | 58.30% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $6.3M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 38.96% | 75.49% | Context |
What it means for lending operations
Its efficiency ratio of 51.46% is better than the 58.30% 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
- Bank of Commerce Chelsea, OK · $203M
- Oklahoma Capital Bank Tulsa, OK · $196M
- 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
Questions about Oklahoma Bank and Trust Company
How big is Oklahoma Bank and Trust Company?
Oklahoma Bank and Trust Company, established in 1908, is headquartered in Clinton, OK. It reported $202M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Oklahoma Bank and Trust Company's return on assets?
1.42% annualized in Q2 2026, against a 1.57% median for 66 OK banks with half to twice its assets, ahead of 41% of them.
What is Oklahoma Bank and Trust Company's efficiency ratio?
51.46% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 58.30%, and lower is better.
Is Oklahoma Bank and Trust Company growing its loans?
Net loans shrank 3.1% over the year to Q2 2026, while deposits grew 4.8%.
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.