COMMUNITY BANK OF OKLAHOMA: how it compares with its peers
Against 44 OK banks with half to twice its assets, COMMUNITY BANK OF OKLAHOMA's strongest measure in Q2 2026 is net interest margin (4.70% vs. a 4.37% peer median). Its weakest relative measure is efficiency ratio (83.87% vs. 62.73%).
| Measure | COMMUNITY BANK OF OKLAHOMA | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.67% | 1.51% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.70% | 4.37% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.87% | 62.73% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $5.3M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.09% | 65.94% | Context |
What it means for lending operations
Its efficiency ratio of 83.87% is above the 62.73% 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
- Oklahoma State Bank Buffalo, OK · $67M
- Washita Valley Bank Fort Cobb, OK · $69M
- Latimer State Bank Wilburton, OK · $66M
- Fairview Savings and Loan Association Fairview, OK · $65M
- Walters Bank and Trust Company Walters, OK · $70M
- First Bank of Thomas Thomas, OK · $63M
Questions about COMMUNITY BANK OF OKLAHOMA
How big is COMMUNITY BANK OF OKLAHOMA?
COMMUNITY BANK OF OKLAHOMA, established in 1907, is headquartered in Verden, OK. It reported $67M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is COMMUNITY BANK OF OKLAHOMA's return on assets?
0.67% annualized in Q2 2026, against a 1.51% median for 44 OK banks with half to twice its assets, ahead of 18% of them.
What is COMMUNITY BANK OF OKLAHOMA's efficiency ratio?
83.87% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 62.73%, and lower is better.
Is COMMUNITY BANK OF OKLAHOMA growing its loans?
Net loans shrank 3.8% over the year to Q2 2026, while deposits shrank 5.3%.
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.