Great Nations Bank: how it compares with its peers
Against 60 OK banks with half to twice its assets, Great Nations Bank's strongest measure in Q2 2026 is assets per employee ($6.3M vs. a $5.9M peer median). Its weakest relative measure is return on assets (0.70% vs. 1.48%).
| Measure | Great Nations Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.70% | 1.48% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 4.37% | Bottom third Ahead of 28% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.22% | 61.09% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $5.9M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.69% | 70.74% | Context |
What it means for lending operations
Its efficiency ratio of 79.22% is above the 61.09% 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
- Monument Bank Poteau, OK · $113M
- The State Bank of Wynnewood Wynnewood, OK · $111M
- First Bank Erick, OK · $118M
- The Farmers and Merchants National Bank of Fairview Fairview, OK · $119M
- Community Bank Bristow, OK · $119M
- COREBANK Waynoka, OK · $122M
Questions about Great Nations Bank
How big is Great Nations Bank?
Great Nations Bank, established in 2009, is headquartered in Norman, OK. It reported $114M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Great Nations Bank's return on assets?
0.70% annualized in Q2 2026, against a 1.48% median for 60 OK banks with half to twice its assets, ahead of 17% of them.
What is Great Nations Bank's efficiency ratio?
79.22% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 61.09%, and lower is better.
Is Great Nations Bank growing its loans?
Net loans shrank 4.9% over the year to Q2 2026, while deposits shrank 5.0%.
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.