Monument Bank: how it compares with its peers
Against 59 OK banks with half to twice its assets, Monument Bank's strongest measure in Q2 2026 is net interest margin (6.56% vs. a 4.37% peer median). Its weakest relative measure is assets per employee ($3.8M vs. $5.9M).
| Measure | Monument Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.74% | 1.48% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.56% | 4.37% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.94% | 60.76% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.8M | $5.9M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.66% | 69.19% | Context |
What it means for lending operations
Its efficiency ratio of 65.94% is above the 60.76% 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
- Great Nations Bank Norman, OK · $114M
- The State Bank of Wynnewood Wynnewood, OK · $111M
- First Bank Erick, OK · $118M
- The Farmers and Merchants National Bank of Fairview Fairview, OK · $119M
- Community Bank Bristow, OK · $119M
- American Exchange Bank Henryetta, OK · $104M
Questions about Monument Bank
How big is Monument Bank?
Monument Bank, established in 1910, is headquartered in Poteau, OK. It reported $113M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Monument Bank's return on assets?
1.74% annualized in Q2 2026, against a 1.48% median for 59 OK banks with half to twice its assets, ahead of 64% of them.
What is Monument Bank's efficiency ratio?
65.94% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 60.76%, and lower is better.
Is Monument Bank growing its loans?
Net loans grew 16.7% over the year to Q2 2026, while deposits grew 1.9%.
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.