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FirstOak Bank

$100M-$1B Specialty: Commercial KS FDIC cert 4660

Independence, KS

4 branches across KS · CO

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 117 in KS.
  • Deposits -2.9% year over year ($212.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.35%.
  • Efficiency ratio 70.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.21% 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 117 in KS
View $100M-$1B leaderboard (KS) →

FirstOak Bank has 3 strengths but faces 4 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 46.4% in tier
  • + Deposit Franchise: Top 52.9% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 6.2% in tier
  • - Margin Compression: Bottom 6.8% in tier
  • - Capital Thin: Bottom 10.3% in tier
  • - Efficiency Ratio 6.47% above tier average
Get updates when FirstOak Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $241.2M
-2.0% YoY -1.7% QoQ
-$145.3M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $185.2M
-2.2% YoY -1.2% QoQ
-$73.2M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $212.3M
-2.9% YoY -2.2% QoQ
-$114.4M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 1.35%
-28.8% YoY -3.6% QoQ
+0.02% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
56%
Net Interest Margin ? 5.21%
+2.6% YoY -0.2% QoQ
+1.22% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
Top 5.4% in tier
Efficiency Ratio ? 70.94%
+19.0% YoY +1.2% QoQ
+6.47% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
28%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 87.21%
+0.7% YoY +1.0% QoQ
+9.26% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 30.14%
-13.2% YoY -0.8% QoQ
+8.11% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 10.48%
+3.7% YoY +3.6% QoQ
-5.43% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.12%
-22.3% YoY +99.2% QoQ
-0.45% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
25%

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 (KS) National Avg Tier Percentile
Noninterest-Bearing 30.1%
-4.6pp YoY
-0.2pp QoQ
 +8.0pp 22.1% 22.3% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 14.3%
+2.2pp YoY
+1.2pp QoQ
 +2.8pp 11.6% 12.6% 12.5% 74%
CRE n/a n/a 39.5% 28.8% 41.4% n/a
1-4 Family 40.8%
+0.3pp YoY
-0.3pp QoQ
 +8.1pp 32.6% 26.7% 31.3% 71%
Consumer 0.9%
-0.1pp YoY
-0.2pp QoQ
 -3.2pp 4.1% 4.6% 5.0% 27%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 10.5%
+0.4pp YoY
+0.4pp QoQ
 -1.7pp 12.2% 12.6% 12.6% 41%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 44
+3 (+7.3%) YoY
+1 (+2.3%) QoQ
 -15 58 70 482 46%
Assets per Employee ($) $5.5M
-8.7% YoY
-3.9% QoQ
 -$2.0M $7.5M $7.1M $8.8M 22%
Branch Count 4
-1 (-20.0%) YoY
0 QoQ
 -1 4 6 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 22.44x 20.23x n/a
Net Charge-off Rate (YTD) -0.0% -0.1pp 0.1% 0.1% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 12.5%
-5.9pp YoY
-0.6pp QoQ
 +0.3pp 12.2% 14.3% 11.6% 53%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 24%
Net Income ($, YTD) $1.6M
-29.0% YoY
— QoQ
 -$924K $2.6M $3.7M $40.4M 45%

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)

Credit Quality Leader

growth
#307 of 659 • Top 46.4% in tier

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

Why this signature
Delinquency Rate: 0.00%
(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

Deposit Franchise

growth
#148 of 278 • Top 52.9% 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: 30.14%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.21%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (3)

Deposit Outflow

decline
#34 of 535 • Bottom 6.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Margin Compression

decline
#22 of 307 • Bottom 6.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.35%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Capital Thin

risk
#69 of 661 • Bottom 10.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.48%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
143
Net Interest Margin
profitability
Value: 5.21%
Peer Median: 3.99%
#143 of 2643 Top 5.4% in $100M-$1B
464
Non-Interest-Bearing Deposit Share
funding
Value: 30.14%
Peer Median: 22.03%
#464 of 2643 Top 17.5% in $100M-$1B

Top Weaknesses (1 metrics)

2210
Tier 1 Capital Ratio
capital
Value: 10.48%
Peer Median: 15.91%
#2210 of 2643 Bottom 16.4% in $100M-$1B
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