RANKING · Q2 2026

Lowest efficiency ratio in Oklahoma

131 of 171 banks in Oklahoma that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.

Lowest efficiency ratio in Oklahoma, Q2 2026
Rank	Institution	Headquarters	Efficiency ratio (noninterest expense / revenue)	Total assets
1	Interbank	Oklahoma City, OK	33.6%	$5.3 billion
2	The First Bank of Okarche	Okarche, OK	33.6%	$137 million
3	Cleo State Bank	Cleo Springs, OK	39.8%	$123 million
4	Security State Bank of Oklahoma	Wewoka, OK	39.9%	$388 million
5	Security Bank	Tulsa, OK	42.5%	$939 million
6	Security State Bank	Cheyenne, OK	43.7%	$280 million
7	First National Bank of Oklahoma	Oklahoma City, OK	44.6%	$950 million
8	All Capital Bank	Locust Grove, OK	44.7%	$176 million
9	The Payne County Bank	Perkins, OK	44.8%	$313 million
10	Grand Savings Bank	Grove, OK	45.1%	$1.0 billion
11	The First State Bank	Boise City, OK	45.4%	$160 million
12	First Bank of Owasso	Owasso, OK	45.4%	$639 million
13	The Idabel National Bank	Idabel, OK	45.5%	$242 million
14	Cowboy Bank	Kremlin, OK	45.8%	$350 million
15	The First National Bank and Trust Company of Broken Arrow	Broken Arrow, OK	46.1%	$269 million
16	Stride Bank N.A.	Enid, OK	46.3%	$5.4 billion
17	First Bank	Erick, OK	46.8%	$118 million
18	Bank of Hydro	Hydro, OK	47.9%	$181 million
19	Bank of Western Oklahoma	Elk City, OK	48.1%	$470 million
20	The First Security Bank	Beaver, OK	48.6%	$335 million
21	Bancfirst	Oklahoma City, OK	49.0%	$12.8 billion
22	The Security National Bank of Enid	Enid, OK	49.0%	$400 million
23	Frontier State Bank	Oklahoma City, OK	49.2%	$609 million
24	Liberty National Bank	Lawton, OK	49.6%	$1.3 billion
25	First National Bank & Trust, Elk City, Oklahoma	Elk City, OK	49.7%	$294 million
26	Kirkpatrick Bank	Edmond, OK	50.8%	$1.0 billion
27	Fnb Coweta	Coweta, OK	51.2%	$128 million
28	Watermark Bank	Oklahoma City, OK	51.4%	$451 million
29	Oklahoma Bank and Trust Company	Clinton, OK	51.5%	$202 million
30	The First National Bank and Trust Company, Chickasha, Oklahoma	Chickasha, OK	51.7%	$1.1 billion
31	Midfirst Bank	Oklahoma City, OK	51.8%	$42.8 billion
32	The First National Bank and Trust Company of Miami	Miami, OK	51.9%	$191 million
33	Bank7	Oklahoma City, OK	51.9%	$1.9 billion
34	Mccurtain County National Bank	Broken Bow, OK	52.0%	$384 million
35	Corebank	Waynoka, OK	52.0%	$122 million
36	Grand Bank	Tulsa, OK	52.2%	$713 million
37	Triad Bank N.A.	Tulsa, OK	53.4%	$229 million
38	Oklahoma Capital Bank	Tulsa, OK	53.6%	$196 million
39	Community Bank	Bristow, OK	53.9%	$119 million
40	First National Bank & Trust Company of Mcalester	Mcalester, OK	54.1%	$580 million
41	Panhandle First Bank	Guymon, OK	54.4%	$569 million
42	First Fidelity Bank	Oklahoma City, OK	54.5%	$3.0 billion
43	Sooner State Bank	Tuttle, OK	55.0%	$355 million
44	International Bank of Commerce	Oklahoma City, OK	55.5%	$1.6 billion
45	Anchor D Bank	Texhoma, OK	55.6%	$405 million
46	F & M Bank	Edmond, OK	55.7%	$915 million
47	First Bank & Trust Company	Perry, OK	55.9%	$255 million
48	The Stock Exchange Bank	Woodward, OK	56.2%	$310 million
49	First Bank & Trust Company	Duncan, OK	56.3%	$952 million
50	High Plains Bank	Okeene, OK	56.6%	$330 million
51	Exchange Bank and Trust Company	Perry, OK	56.6%	$429 million
52	Mcclain Bank	Purcell, OK	56.7%	$294 million
53	American Bank and Trust Company	Tulsa, OK	56.7%	$324 million
54	Armstrong Bank	Muskogee, OK	57.0%	$2.8 billion
55	Valor Bank	Edmond, OK	57.1%	$303 million
56	The Bank of the West	Thomas, OK	57.6%	$192 million
57	The Farmers and Merchants National Bank of Fairview	Fairview, OK	57.6%	$119 million
58	Mabrey Bank	Bixby, OK	57.8%	$2.0 billion
59	Quail Creek Bank	Oklahoma City, OK	58.0%	$831 million
60	Shamrock Bank N.A.	Coalgate, OK	58.2%	$501 million
61	First Pryority Bank	Pryor, OK	59.2%	$558 million
62	Security First National Bank of Hugo	Hugo, OK	59.3%	$138 million
63	Citizens Bank & Trust Company of Ardmore	Ardmore, OK	60.3%	$319 million
64	Cattlemens Bank	Altus, OK	60.3%	$595 million
65	The Bank, National Association	Mcalester, OK	60.6%	$488 million
66	The Peoples National Bank of Checotah	Checotah, OK	60.8%	$172 million
67	Citizens Bank of Ada	Ada, OK	60.9%	$354 million
68	Firstar Bank	Sallisaw, OK	61.3%	$1.2 billion
69	Security Bank and Trust Company	Miami, OK	61.3%	$167 million
70	First Bethany Bank & Trust	Bethany, OK	62.0%	$317 million
71	Prism Bank	Guthrie, OK	62.0%	$721 million
72	First Oklahoma Bank	Jenks, OK	62.4%	$1.3 billion
73	Regent Bank	Tulsa, OK	62.5%	$2.2 billion
74	First State Bank	Anadarko, OK	62.6%	$140 million
75	Bokf N.A.	Tulsa, OK	62.8%	$53.0 billion
76	The State Bank of Wynnewood	Wynnewood, OK	62.9%	$111 million
77	First National Bank and Trust Company of Ardmore	Ardmore, OK	63.0%	$687 million
78	First Liberty Bank	Oklahoma City, OK	63.2%	$885 million
79	American Exchange Bank	Henryetta, OK	63.3%	$104 million
80	Method Bank	Wyandotte, OK	63.3%	$241 million
81	First National Bank	Heavener, OK	64.0%	$113 million
82	Bank of Commerce	Chelsea, OK	64.0%	$203 million
83	Spiritbank	Tulsa, OK	64.2%	$913 million
84	Rcb Bank	Claremore, OK	64.2%	$4.0 billion
85	American Nation Bank	Ardmore, OK	64.3%	$691 million
86	The Pauls Valley National Bank	Pauls Valley, OK	64.6%	$357 million
87	Ameristate Bank	Atoka, OK	65.2%	$478 million
88	The Citizens Bank of Edmond	Edmond, OK	65.5%	$432 million
89	Acb Bank	Cherokee, OK	66.2%	$135 million
90	Great Plains National Bank	Elk City, OK	66.5%	$1.9 billion
91	The Bank of Beaver City	Beaver, OK	66.5%	$189 million
92	Blue Sky Bank	Pawhuska, OK	66.8%	$1.4 billion
93	All America Bank	Oklahoma City, OK	66.8%	$611 million
94	Welch State Bank of Welch, Okla.	Welch, OK	67.5%	$450 million
95	The Farmers State Bank	Quinton, OK	67.9%	$194 million
96	American Heritage Bank	Sapulpa, OK	67.9%	$1.5 billion
97	The Farmers Bank	Carnegie, OK	68.4%	$140 million
98	Vision Bank	Ada, OK	69.1%	$1,000 million
99	Avb Bank	Broken Arrow, OK	69.6%	$612 million
100	Bank of Grand Lake	Grove, OK	69.6%	$249 million

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings