The First National Bank of Fletcher: how it compares with its peers
Against 11 OK banks with half to twice its assets, The First National Bank of Fletcher's strongest measure in Q2 2026 is assets per employee ($3.3M vs. a $3.3M peer median). Its weakest relative measure is net interest margin (4.01% vs. 4.35%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.86% | 1.06% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 4.35% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.00% | 78.40% | Middle third Ahead of 45% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.3M | $3.3M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 18.61% | 60.90% | Context |
What it means for lending operations
Its efficiency ratio of 79.00% is above the 78.40% 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
- Farmers and Merchants Bank Maysville, OK · $22M
- Farmers & Merchants Bank Duke, OK · $21M
- First State Bank in Temple Temple, OK · $26M
- Bank of Vici Vici, OK · $29M
- The Hopeton State Bank Hopeton, OK · $31M
Questions about The First National Bank of Fletcher
How big is The First National Bank of Fletcher?
The First National Bank of Fletcher, established in 1902, is headquartered in Fletcher, OK. It reported $23M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First National Bank of Fletcher's return on assets?
0.86% annualized in Q2 2026, against a 1.06% median for 11 OK banks with half to twice its assets, ahead of 45% of them.
What is The First National Bank of Fletcher's efficiency ratio?
79.00% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 78.40%, and lower is better.
Is The First National Bank of Fletcher growing its loans?
Net loans shrank 2.1% over the year to Q2 2026, while deposits shrank 4.5%.
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.