First National Bank of Oklahoma: how it compares with its peers
Against 41 OK banks with half to twice its assets, First National Bank of Oklahoma's strongest measure in Q2 2026 is return on assets (2.33% vs. a 1.30% peer median). Its weakest relative measure is net interest margin (4.38% vs. 4.17%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.33% | 1.30% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.38% | 4.17% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.41% | 63.04% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.5M | $7.2M | Top third Ahead of 95% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.95% | 79.50% | Context |
What it means for lending operations
Its efficiency ratio of 45.41% is better than the 63.04% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Bank & Trust Co. Duncan, OK · $952M
- Security Bank Tulsa, OK · $939M
- Valliance Bank Oklahoma City, OK · $923M
- F&M Bank Edmond, OK · $915M
- SpiritBank Tulsa, OK · $913M
- Vision Bank Ada, OK · $1000M
Questions about First National Bank of Oklahoma
How big is First National Bank of Oklahoma?
First National Bank of Oklahoma, established in 1917, is headquartered in Oklahoma City, OK. It reported $950M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First National Bank of Oklahoma's return on assets?
2.33% annualized in Q2 2026, against a 1.30% median for 41 OK banks with half to twice its assets, ahead of 95% of them.
What is First National Bank of Oklahoma's efficiency ratio?
45.41% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 63.04%, and lower is better.
Is First National Bank of Oklahoma growing its loans?
Net loans grew 6.4% over the year to Q2 2026, while deposits grew 5.4%.
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.