First Bank of Thomas: how it compares with its peers
Against 41 OK banks with half to twice its assets, First Bank of Thomas's strongest measure in Q2 2026 is assets per employee ($9.0M vs. a $5.0M peer median). Its weakest relative measure is net interest margin (3.27% vs. 4.46%).
| Measure | First Bank of Thomas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 1.52% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.27% | 4.46% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.67% | 62.57% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $5.0M | Top third Ahead of 95% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.33% | 65.22% | Context |
What it means for lending operations
Its efficiency ratio of 65.67% is above the 62.57% 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
- Peoples Bank and Trust Company Ryan, OK · $62M
- First State Bank Noble, OK · $61M
- Fairview Savings and Loan Association Fairview, OK · $65M
- BANK360 Cordell, OK · $61M
- Latimer State Bank Wilburton, OK · $66M
- Oklahoma State Bank Buffalo, OK · $67M
Questions about First Bank of Thomas
How big is First Bank of Thomas?
First Bank of Thomas, established in 1904, is headquartered in Thomas, OK. It reported $63M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First Bank of Thomas's return on assets?
1.18% annualized in Q2 2026, against a 1.52% median for 41 OK banks with half to twice its assets, ahead of 34% of them.
What is First Bank of Thomas's efficiency ratio?
65.67% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 62.57%, and lower is better.
Is First Bank of Thomas growing its loans?
Net loans grew 6.6% over the year to Q2 2026, while deposits grew 17.7%.
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.