The First National Bank of Hooker: how it compares with its peers
Against 52 OK banks with half to twice its assets, The First National Bank of Hooker's strongest measure in Q2 2026 is net interest margin (4.46% vs. a 4.27% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $5.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.36% | 1.53% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.46% | 4.27% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.51% | 59.08% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $5.8M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.30% | 67.13% | Context |
What it means for lending operations
Its efficiency ratio of 65.51% is above the 59.08% 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
- First State Bank Watonga, OK · $90M
- Community State Bank Hennessey, OK · $90M
- The State Exchange Bank Lamont, OK · $90M
- Bank of Eufaula Eufaula, OK · $87M
- Southwest Bank of Weatherford Weatherford, OK · $86M
- American Exchange Bank, Lindsay, Oklahoma Lindsay, OK · $97M
Questions about The First National Bank of Hooker
How big is The First National Bank of Hooker?
The First National Bank of Hooker, established in 1914, is headquartered in Hooker, OK. It reported $91M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of Hooker's return on assets?
1.36% annualized in Q2 2026, against a 1.53% median for 52 OK banks with half to twice its assets, ahead of 37% of them.
What is The First National Bank of Hooker's efficiency ratio?
65.51% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 59.08%, and lower is better.
Is The First National Bank of Hooker growing its loans?
Net loans shrank 2.3% over the year to Q2 2026, while deposits shrank 1.1%.
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.