Patrons Bank, National Association: how it compares with its peers
Against 71 OK banks with half to twice its assets, Patrons Bank, National Association's strongest measure in Q2 2026 is net interest margin (4.26% vs. a 4.18% peer median). Its weakest relative measure is efficiency ratio (75.80% vs. 60.95%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 1.45% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.26% | 4.18% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.80% | 60.95% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.4M | $6.4M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.19% | 76.50% | Context |
What it means for lending operations
Its efficiency ratio of 75.80% is above the 60.95% 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
- The Payne County Bank Perkins, OK · $313M
- First Bethany Bank & Trust Bethany, OK · $317M
- The Bankers Bank Oklahoma City, OK · $311M
- Citizens Bank and Trust Company of Ardmore Ardmore, OK · $319M
- American Bank and Trust Company Tulsa, OK · $324M
Questions about Patrons Bank, National Association
How big is Patrons Bank, National Association?
Patrons Bank, National Association, established in 1917, is headquartered in Okmulgee, OK. It reported $314M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Patrons Bank, National Association's return on assets?
1.08% annualized in Q2 2026, against a 1.45% median for 71 OK banks with half to twice its assets, ahead of 24% of them.
What is Patrons Bank, National Association's efficiency ratio?
75.80% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 60.95%, and lower is better.
Is Patrons Bank, National Association growing its loans?
Net loans grew 20.5% over the year to Q2 2026, while deposits grew 7.7%.
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.