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Oklahoma Bank and Trust Company

$100M-$1B Specialty: Agricultural OK FDIC cert 4067

Clinton, OK

4 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 +4.8% year over year ($173.9M on the books).
  • Delinquency rate 0.63%.
  • Return on assets 1.42%.
  • Efficiency ratio 51.46% vs a 64.48% peer average.
  • Loan-to-deposit ratio 38.96% 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) →

Oklahoma Bank and Trust Company has 3 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

  • + ROA 0.09% above tier average
  • + Efficiency Ratio 13.02% below tier average
  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 49.2% in tier
  • - Net Interest Margin 1.23% below tier average
Get updates when Oklahoma Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $202.3M
+4.6% YoY -1.2% QoQ
-$184.3M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $67.8M
-3.1% YoY -7.5% QoQ
-$190.6M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Bottom 6.5% in tier
Total Deposits ? $173.9M
+4.8% YoY -1.3% QoQ
-$152.8M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 1.42%
+14.7% YoY +0.3% QoQ
+0.09% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 2.76%
+8.8% YoY +1.6% QoQ
-1.23% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Bottom 5.7% in tier
Efficiency Ratio ? 51.46%
-7.4% YoY +0.0% QoQ
-13.02% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
80%
Delinquency Rate ? 0.63%
-35.1% YoY +163.2% QoQ
-0.29% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 38.96%
-7.5% YoY -6.3% QoQ
-38.99% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Top 3.9% in tier
Non-Interest-Bearing Deposit Share ? 23.87%
-1.6% YoY +14.4% QoQ
+1.84% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 0.21%
-39.9% YoY +146.3% QoQ
-0.46% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 40.55%
+5.6% YoY +5.0% QoQ
+24.65% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Top 1.7% in tier
Non-Interest Income / Assets ? 0.14%
-5.1% YoY +85.2% QoQ
-0.42% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
33%

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 23.9%
-0.4pp YoY
+3.0pp QoQ
 +1.7pp 22.1% 23.9% 22.2% 62%
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 9.8%
-2.7pp YoY
-0.7pp QoQ
 -1.8pp 11.6% 15.7% 12.5% 51%
CRE n/a n/a 39.5% 42.0% 41.4% n/a
1-4 Family 26.7%
+3.1pp YoY
+2.6pp QoQ
 -5.9pp 32.6% 24.0% 31.3% 44%
Consumer 2.3%
-0.2pp YoY
-0.1pp QoQ
 -1.8pp 4.1% 5.6% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 40.5%
+2.1pp YoY
+1.9pp QoQ
 +21.7pp 18.8% 17.0% 19.7% 97%
Leverage Ratio 14.1%
-0.1pp YoY
-0.2pp QoQ
 +1.9pp 12.2% 11.7% 12.6% 82%
Total Capital Ratio 41.8%
+2.1pp YoY
+1.9pp QoQ
 +21.9pp 19.9% 18.2% 20.8% 97%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 27
-2 (-6.9%) YoY
-1 (-3.6%) QoQ
 -32 58 150 482 22%
Assets per Employee ($) $7.5M
+12.4% YoY
+2.5% QoQ
 -$27K $7.5M $6.5M $8.8M 61%
Branch Count 4
0 YoY
0 QoQ
 -1 4 8 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.6%
+0.2pp YoY
+0.4pp QoQ
 +0.3pp 0.3% 0.9% 0.4% 86%
Nonaccrual 0.0%
-0.5pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.5% 1.0% 1%
Allowance Coverage 4.23x
+58.5% YoY
-58.1% QoQ
 -19.92x 24.15x 61.99x 20.23x 66%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.1% 0.2% 0.2% 2%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 11.1%
+1.0pp YoY
0.0pp QoQ
 -1.1pp 12.2% 11.9% 11.6% 43%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
+0.1pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 45%
Net Income ($, YTD) $1.5M
+18.3% YoY
— QoQ
 -$1.1M $2.6M $8.7M $40.4M 40%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#366 of 742 • Bottom 49.2% 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: 40.55%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 38.96%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 (3 metrics)

46
Tier 1 Capital Ratio
capital
Value: 40.55%
Peer Median: 15.91%
#46 of 2643 Top 1.7% in $100M-$1B
103
Loan-to-Deposit Ratio
liquidity
Value: 38.96%
Peer Median: 77.95%
#103 of 2643 Top 3.9% in $100M-$1B
525
Efficiency Ratio
profitability
Value: 51.46%
Peer Median: 64.48%
#525 of 2643 Top 19.8% in $100M-$1B

Top Weaknesses (2 metrics)

2493
Net Interest Margin
profitability
Value: 2.76%
Peer Median: 3.99%
#2493 of 2643 Bottom 5.7% in $100M-$1B
2471
Total Loans
size
Value: $67.75M
Peer Median: $258.35M
#2471 of 2643 Bottom 6.5% in $100M-$1B
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