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Great Nations Bank

$100M-$1B Specialty: Commercial OK FDIC cert 58680

Norman, 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 -5.0% year over year ($100.5M on the books).
  • Delinquency rate 0.10%.
  • Return on assets 0.70%.
  • Efficiency ratio 79.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.69% 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) →

Great Nations Bank has 1 strength but faces 7 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

  • + Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 3.8% in tier
  • - Capital Constraint: Bottom 6.5% in tier
  • - Credit Quality Pressure: Bottom 16.6% in tier
  • - Non-Interest Income / Assets 0.52% below tier average
  • - ROA 0.63% below tier average
  • - Net Interest Margin 0.07% below tier average
  • - Efficiency Ratio 14.74% above tier average
Get updates when Great Nations Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $113.8M
-3.8% YoY -0.2% QoQ
-$272.8M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
Bottom 3.7% in tier
Total Loans ? $89.1M
-4.9% YoY +0.5% QoQ
-$169.2M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Bottom 14.4% in tier
Total Deposits ? $100.5M
-5.0% YoY -0.4% QoQ
-$226.3M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
Bottom 5.5% in tier
Return on Assets ? 0.70%
-8.6% YoY +16.9% QoQ
-0.63% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 3.92%
+3.7% YoY +2.5% QoQ
-0.07% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
49%
Efficiency Ratio ? 79.22%
+4.0% YoY -2.6% QoQ
+14.74% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Bottom 14.4% in tier
Delinquency Rate ? 0.10% -0.82% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 88.69%
+0.1% YoY +0.9% QoQ
+10.74% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 13.10%
+59.2% YoY +52.4% QoQ
-8.93% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
18%
Nonperforming Asset Ratio ? 0.08% -0.59% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 10.27%
-19.0% YoY +1.7% QoQ
-5.63% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Bottom 13.9% in tier
Non-Interest Income / Assets ? 0.04%
-37.7% YoY +153.2% QoQ
-0.52% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Bottom 4.5% in tier

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 13.1%
+4.9pp YoY
+4.5pp QoQ
 -9.0pp 22.1% 23.9% 22.2% 17%
Brokered Deposits 5.1%
-8.0pp YoY
-24.5pp QoQ
 -2.8pp 7.9% 9.7% 8.5% 52%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 5.9%
-3.5pp YoY
0.0pp QoQ
 -5.6pp 11.6% 15.7% 12.5% 25%
CRE 46.4%
+0.5pp YoY
+1.0pp QoQ
 +6.8pp 39.5% 42.0% 41.4% 64%
1-4 Family 47.3%
+4.4pp YoY
+0.2pp QoQ
 +14.7pp 32.6% 24.0% 31.3% 79%
Consumer 0.9%
-0.1pp YoY
0.0pp QoQ
 -3.2pp 4.1% 5.6% 5.0% 25%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 10.3%
+1.2pp YoY
+0.2pp QoQ
 -1.9pp 12.2% 11.7% 12.6% 37%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 18
+1 (+5.9%) YoY
0 QoQ
 -41 58 150 482 8%
Assets per Employee ($) $6.3M
-9.1% YoY
-0.2% QoQ
 -$1.2M $7.5M $6.5M $8.8M 39%
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 0.1% -0.8pp 0.9% 1.5% 1.0% 19%
Allowance Coverage 11.36x -12.79x 24.15x 61.99x 20.23x 83%
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 7.1%
-1.7pp YoY
+1.0pp QoQ
 -5.1pp 12.2% 11.9% 11.6% 22%
Cost of Funds (YTD) 3.1%
-0.5pp YoY
0.0pp QoQ
 +1.4pp 1.7% 1.8% 1.7% 98%
Net Income ($, YTD) $397,000
-8.5% YoY
— QoQ
 -$2.2M $2.6M $8.7M $40.4M 8%

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 (3)

Capital Thin

risk
#26 of 661 • Bottom 3.8% 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: 10.27%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Capital Constraint

risk
#8 of 107 • Bottom 6.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 88.69%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 10.27%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Credit Quality Pressure

risk
#209 of 1256 • Bottom 16.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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 (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2547
Total Assets
size
Value: $113.77M
Peer Median: $386.57M
#2547 of 2643 Bottom 3.7% in $100M-$1B
2526
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2526 of 2643 Bottom 4.5% in $100M-$1B
2498
Total Deposits
size
Value: $100.46M
Peer Median: $326.73M
#2498 of 2643 Bottom 5.5% in $100M-$1B
2276
Tier 1 Capital Ratio
capital
Value: 10.27%
Peer Median: 15.91%
#2276 of 2643 Bottom 13.9% in $100M-$1B
2264
Efficiency Ratio
profitability
Value: 79.22%
Peer Median: 64.48%
#2264 of 2643 Bottom 14.4% in $100M-$1B
2264
Total Loans
size
Value: $89.10M
Peer Median: $258.35M
#2264 of 2643 Bottom 14.4% in $100M-$1B
2176
Non-Interest-Bearing Deposit Share
funding
Value: 13.10%
Peer Median: 22.03%
#2176 of 2643 Bottom 17.7% in $100M-$1B
2143
Return on Assets
profitability
Value: 0.70%
Peer Median: 1.32%
#2143 of 2643 Bottom 19.0% in $100M-$1B
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