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The First National Bank and Trust Company of Broken Arrow

$100M-$1B Specialty: Commercial OK FDIC cert 4050

Broken Arrow, OK

2 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 +3.9% year over year ($224.2M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 2.44%.
  • Efficiency ratio 44.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 102.47% 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) →

The First National Bank and Trust Company of Broken Arrow has 4 strengths but faces 1 concern

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

  • + Deposit Franchise: Top 5.8% in tier
  • + Profitability Leader: Top 26.9% in tier
  • + Efficiency Ratio 19.49% below tier average
  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 15.0% in tier
Get updates when The First National Bank and Trust Company of Broken Arrow releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $269.5M
+5.8% YoY -0.4% QoQ
-$117.1M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $229.7M
+19.6% YoY +5.8% QoQ
-$28.7M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $224.2M
+3.9% YoY -1.0% QoQ
-$102.6M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 2.44%
+8.7% YoY -2.9% QoQ
+1.12% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Top 5.4% in tier
Net Interest Margin ? 6.06%
+2.2% YoY +0.8% QoQ
+2.08% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Top 1.4% in tier
Efficiency Ratio ? 44.99%
-8.7% YoY +2.4% QoQ
-19.49% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Top 9.1% in tier
Delinquency Rate ? 0.14%
-94.9% YoY -14.0% QoQ
-0.78% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 102.47%
+15.1% YoY +6.8% QoQ
+24.51% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Bottom 7.4% in tier
Non-Interest-Bearing Deposit Share ? 43.43%
-8.6% YoY -11.9% QoQ
+21.40% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Top 3.1% in tier
Nonperforming Asset Ratio ? 0.12%
-94.2% YoY -8.6% QoQ
-0.55% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 19.97%
+2.9% YoY -2.4% QoQ
+4.06% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Top 13.9% in tier
Non-Interest Income / Assets ? 0.19%
-5.3% YoY +105.6% QoQ
-0.38% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
46%

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 43.4%
-4.1pp YoY
-5.8pp QoQ
 +21.3pp 22.1% 23.9% 22.2% 97%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 12.9%
+0.5pp YoY
+1.3pp QoQ
 +1.4pp 11.6% 15.7% 12.5% 68%
CRE 46.1%
-6.0pp YoY
-0.8pp QoQ
 +6.5pp 39.5% 42.0% 41.4% 64%
1-4 Family 41.7%
+5.0pp YoY
-0.5pp QoQ
 +9.1pp 32.6% 24.0% 31.3% 72%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.1% 5.6% 5.0% 7%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 20.0%
+0.6pp YoY
-0.5pp QoQ
 +1.1pp 18.8% 17.0% 19.7% 77%
Leverage Ratio 16.4%
+1.6pp YoY
+1.1pp QoQ
 +4.3pp 12.2% 11.7% 12.6% 92%
Total Capital Ratio 21.2%
+0.6pp YoY
-0.5pp QoQ
 +1.3pp 19.9% 18.2% 20.8% 78%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 39
-2 (-4.9%) YoY
-2 (-4.9%) QoQ
 -20 58 150 482 40%
Assets per Employee ($) $6.9M
+11.2% YoY
+4.7% QoQ
 -$609K $7.5M $6.5M $8.8M 51%
Branch Count 2
0 YoY
0 QoQ
 -3 4 8 18 11%

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 0.1%
-2.6pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.5% 1.0% 24%
Allowance Coverage 9.98x
+1694.2% YoY
+13.3% QoQ
 -14.17x 24.15x 61.99x 20.23x 82%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 16.0%
+0.4pp YoY
-0.9pp QoQ
 +3.8pp 12.2% 11.9% 11.6% 73%
Cost of Funds (YTD) 0.7%
-0.1pp YoY
0.0pp QoQ
 -1.1pp 1.7% 1.8% 1.7% 3%
Net Income ($, YTD) $3.3M
+20.2% YoY
— QoQ
 +$769K $2.6M $8.7M $40.4M 73%

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 (2)

Deposit Franchise

growth
#17 of 278 • Top 5.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 43.43%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.06%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Profitability Leader

growth
#179 of 661 • Top 26.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.44%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk
#112 of 742 • Bottom 15.0% 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: 19.97%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 102.47%
(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

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 (5 metrics)

37
Net Interest Margin
profitability
Value: 6.06%
Peer Median: 3.99%
#37 of 2643 Top 1.4% in $100M-$1B
83
Non-Interest-Bearing Deposit Share
funding
Value: 43.43%
Peer Median: 22.03%
#83 of 2643 Top 3.1% in $100M-$1B
143
Return on Assets
profitability
Value: 2.44%
Peer Median: 1.32%
#143 of 2643 Top 5.4% in $100M-$1B
242
Efficiency Ratio
profitability
Value: 44.99%
Peer Median: 64.48%
#242 of 2643 Top 9.1% in $100M-$1B
369
Tier 1 Capital Ratio
capital
Value: 19.97%
Peer Median: 15.91%
#369 of 2643 Top 13.9% in $100M-$1B

Top Weaknesses (1 metrics)

2449
Loan-to-Deposit Ratio
liquidity
Value: 102.47%
Peer Median: 77.95%
#2449 of 2643 Bottom 7.4% in $100M-$1B
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