BANK360: how it compares with its peers
Against 40 OK banks with half to twice its assets, BANK360's strongest measure in Q2 2026 is net interest margin (4.97% vs. a 4.37% peer median). Its weakest relative measure is assets per employee ($4.4M vs. $5.0M).
| Measure | BANK360 | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.63% | 1.42% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.97% | 4.37% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.89% | 63.14% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.4M | $5.0M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.53% | 64.91% | Context |
What it means for lending operations
Its efficiency ratio of 65.89% is above the 63.14% 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
- First State Bank Noble, OK · $61M
- Peoples Bank and Trust Company Ryan, OK · $62M
- First Bank of Thomas Thomas, OK · $63M
- Grant County Bank Medford, OK · $58M
- First Bank and Trust Company Clinton, OK · $58M
- Farmers State Bank, Allen, Oklahoma Allen, OK · $57M
Questions about BANK360
How big is BANK360?
BANK360, established in 1902, is headquartered in Cordell, OK. It reported $61M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is BANK360's return on assets?
1.63% annualized in Q2 2026, against a 1.42% median for 40 OK banks with half to twice its assets, ahead of 63% of them.
What is BANK360's efficiency ratio?
65.89% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 63.14%, and lower is better.
Is BANK360 growing its loans?
Net loans grew 12.3% over the year to Q2 2026, while deposits shrank 2.2%.
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.