First Bethany Bank & Trust: how it compares with its peers
Against 70 OK banks with half to twice its assets, First Bethany Bank & Trust's strongest measure in Q2 2026 is assets per employee ($7.4M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (3.29% vs. 4.22%).
| Measure | First Bethany Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 1.49% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.29% | 4.22% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.12% | 60.92% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $6.4M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.05% | 76.98% | Context |
What it means for lending operations
Its efficiency ratio of 63.12% is above the 60.92% 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
- Citizens Bank and Trust Company of Ardmore Ardmore, OK · $319M
- Patrons Bank, National Association Okmulgee, OK · $314M
- The Payne County Bank Perkins, OK · $313M
- The Bankers Bank Oklahoma City, OK · $311M
- American Bank and Trust Company Tulsa, OK · $324M
Questions about First Bethany Bank & Trust
How big is First Bethany Bank & Trust?
First Bethany Bank & Trust, established in 1923, is headquartered in Bethany, OK. It reported $317M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is First Bethany Bank & Trust's return on assets?
1.19% annualized in Q2 2026, against a 1.49% median for 70 OK banks with half to twice its assets, ahead of 34% of them.
What is First Bethany Bank & Trust's efficiency ratio?
63.12% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 60.92%, and lower is better.
Is First Bethany Bank & Trust growing its loans?
Net loans grew 15.0% over the year to Q2 2026, while deposits grew 8.6%.
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.