Skiatook, OK · Cert 10672 · Skiatook Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.4% share · #37 of 59 inst. · $0.1B of $39.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.45% | 1.12% | 0.70% | 0.99% | 1.27% | 1.12% | 1.15% | +45 bps | |
| Return on Equity | 11.76% | 4.82% | 12.69% | 8.02% | 10.91% | 12.97% | 11.27% | 11.72% | +370 bps | |
| Net Interest Margin | 3.67% | 3.75% | 3.64% | 3.53% | 3.50% | 3.63% | 3.47% | 3.48% | -6 bps | |
| Efficiency Ratio | 71.76% | 72.94% | 68.62% | 66.80% | 68.72% | 68.75% | 69.44% | 70.11% | +331 bps | |
| Non-Interest Burden | 2.43% | 2.56% | 2.29% | 2.10% | 2.20% | 2.29% | 2.22% | 2.24% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.57% | 3.36% | 4.25% | 2.11% | 5.96% | 5.77% | 2.19% | 2.97% | +87 bps | |
| Loan Growth (YoY) | -0.78% | 5.16% | 0.28% | 0.30% | -4.63% | -5.24% | 1.32% | -1.06% | -136 bps | |
| Deposit Growth (YoY) | 6.42% | 3.18% | 3.65% | 1.72% | 6.04% | 4.36% | 1.18% | 1.55% | -17 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.31% | 4.21% | 4.20% | 7.73% | 0.26% | 0.00% | 0.00% | 0.00% | -773 bps | |
| Net Charge-Offs / Loans | 0.01% | 3.58% | -0.02% | 2.28% | 0.10% | 0.05% | 0.00% | 0.00% | -228 bps | |
| Allowance / Loans | 1.75% | 1.26% | 1.41% | 1.44% | 1.58% | 1.62% | 1.61% | 1.70% | +26 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.2x | 6.1x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.59% | 11.91% | 11.38% | 11.58% | 11.70% | 11.96% | 11.66% | 12.10% | +52 bps | |
| Total Risk-Based Capital | 11.59% | 11.91% | 11.38% | 11.58% | 11.70% | 11.96% | 11.66% | 12.10% | +52 bps | |
| Equity / Assets | 9.61% | 8.89% | 8.78% | 8.57% | 9.52% | 10.11% | 9.72% | 9.89% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.41% | 43.01% | 39.82% | 38.10% | 37.24% | 39.06% | 39.87% | 37.12% | -98 bps | |
| Liquid Assets / Assets | 19.07% | 16.54% | 18.32% | 18.65% | 22.82% | 17.87% | 17.86% | 19.41% | +76 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 115.37% | 122.17% | 129.79% | n/a | n/a | |