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First Bank of Owasso

$100M-$1B Specialty: Commercial OK FDIC cert 18592

Owasso, OK

3 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +7.8% year over year ($538.7M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 2.80%.
  • Efficiency ratio 45.80% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

First Bank of Owasso has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 23.7% in tier
  • + Return on Assets 1.48% above tier average
  • + Efficiency Ratio 18.67% below tier average
  • + Net Interest Margin 0.86% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 31.1% in tier
  • - Liquidity Strain: Bottom 36.6% in tier
Get updates when First Bank of Owasso releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $639.3M
+7.8% YoY -1.2% QoQ
+$252.7M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $486.2M
+9.2% YoY +2.2% QoQ
+$227.9M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Top 12.7% in tier
Total Deposits ? $538.7M
+7.8% YoY -1.9% QoQ
+$211.9M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 2.80%
-7.7% YoY +2.4% QoQ
+1.48% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Top 2.8% in tier
Net Interest Margin ? 4.84%
-2.4% YoY +1.5% QoQ
+0.86% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Top 11.1% in tier
Efficiency Ratio ? 45.80%
+10.4% YoY -0.9% QoQ
-18.67% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Top 9.9% in tier
Delinquency Rate ? 0.01%
-26.7% YoY -2.2% QoQ
-0.90% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
85%
Loan-to-Deposit Ratio ? 90.26%
+1.3% YoY +4.2% QoQ
+12.31% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 21.13%
-3.6% YoY +1.9% QoQ
-0.90% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
51%
Nonperforming Asset Ratio ? 0.01%
-25.8% YoY +1.2% QoQ
-0.66% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Top 14.0% in tier
Tier 1 Capital Ratio ? 18.22%
-2.9% YoY +1.3% QoQ
+2.31% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.31%
+10.3% YoY +106.9% QoQ
-0.25% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
75%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 21.1%
-0.8pp YoY
+0.4pp QoQ
 -1.0pp 22.1% 23.9% 22.2% 50%
Brokered Deposits 3.1%
-1.4pp QoQ
 -4.8pp 7.9% 9.7% 8.5% 39%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 3.6%
+0.7pp YoY
+0.8pp QoQ
 -8.0pp 11.6% 15.7% 12.5% 12%
CRE 83.9%
+0.4pp YoY
-0.4pp QoQ
 +44.4pp 39.5% 42.0% 41.4% 98%
1-4 Family 13.0%
-1.0pp YoY
-0.4pp QoQ
 -19.6pp 32.6% 24.0% 31.3% 16%
Consumer 0.4%
-0.1pp YoY
0.0pp QoQ
 -3.7pp 4.1% 5.6% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 18.2%
-0.5pp YoY
+0.2pp QoQ
 -0.6pp 18.8% 17.0% 19.7% 70%
Leverage Ratio 15.7%
+0.2pp YoY
+0.2pp QoQ
 +3.5pp 12.2% 11.7% 12.6% 89%
Total Capital Ratio 19.5%
-0.5pp YoY
+0.2pp QoQ
 -0.5pp 19.9% 18.2% 20.8% 71%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 80
+2 (+2.6%) YoY
+1 (+1.3%) QoQ
 +21 58 150 482 77%
Assets per Employee ($) $8.0M
+5.1% YoY
-2.4% QoQ
 +$473K $7.5M $6.5M $8.8M 68%
Branch Count 3
0 YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual 0.0% -0.9pp 0.9% 1.5% 1.0% 4%
Allowance Coverage 99.53x
+30.9% YoY
+2.3% QoQ
 +75.38x 24.15x 61.99x 20.23x 96%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 17.9%
-2.1pp YoY
+0.5pp QoQ
 +5.7pp 12.2% 11.9% 11.6% 81%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 50%
Net Income ($, YTD) $8.7M
-3.1% YoY
— QoQ
 +$6.2M $2.6M $8.7M $40.4M 98%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#157 of 659 • Top 23.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#232 of 742 • Bottom 31.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.22%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 90.26%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#254 of 691 • Bottom 36.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.26%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (9 metrics)

75
Return on Assets
profitability
Value: 2.80%
Peer Median: 1.32%
#75 of 2643 Top 2.8% in $100M-$1B
263
Efficiency Ratio
profitability
Value: 45.80%
Peer Median: 64.48%
#263 of 2643 Top 9.9% in $100M-$1B
294
Net Interest Margin
profitability
Value: 4.84%
Peer Median: 3.99%
#294 of 2643 Top 11.1% in $100M-$1B
337
Total Loans
size
Value: $486.22M
Peer Median: $258.35M
#337 of 2643 Top 12.7% in $100M-$1B
372
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#372 of 2643 Top 14.0% in $100M-$1B
396
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#396 of 2633 Top 15.0% in $100M-$1B
440
Total Assets
size
Value: $639.27M
Peer Median: $386.57M
#440 of 2643 Top 16.6% in $100M-$1B
446
Total Deposits
size
Value: $538.66M
Peer Median: $326.73M
#446 of 2643 Top 16.8% in $100M-$1B
485
Tier 1 Capital Ratio
capital
Value: 18.22%
Peer Median: 15.91%
#485 of 2643 Top 18.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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