Oakworth Capital Bank: how it compares with its peers
Against 13 AL banks with half to twice its assets, Oakworth Capital Bank's strongest measure in Q2 2026 is assets per employee ($12.5M vs. a $7.5M peer median). Its weakest relative measure is return on assets (1.17% vs. 1.31%).
| Measure | Oakworth Capital Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.31% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.73% | 3.57% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.60% | 62.73% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.5M | $7.5M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.48% | 71.46% | Context |
What it means for lending operations
Its efficiency ratio of 58.60% is better than the 62.73% 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
- Troy Bank & Trust Company Troy, AL · $1.60B
- United Bank Atmore, AL · $1.48B
- Peoples Bank of Alabama Cullman, AL · $1.42B
- Bank Independent Sheffield, AL · $2.86B
- First Bank of Alabama Talladega, AL · $1.36B
- SouthPoint Bank Birmingham, AL · $1.36B
Questions about Oakworth Capital Bank
How big is Oakworth Capital Bank?
Oakworth Capital Bank, established in 2008, is headquartered in Birmingham, AL. It reported $2.13B in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Oakworth Capital Bank's return on assets?
1.17% annualized in Q2 2026, against a 1.31% median for 13 AL banks with half to twice its assets, ahead of 46% of them.
What is Oakworth Capital Bank's efficiency ratio?
58.60% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 62.73%, and lower is better.
Is Oakworth Capital Bank growing its loans?
Net loans grew 15.4% over the year to Q2 2026, while deposits grew 12.0%.
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 AL 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 Alabama bank ranked.