PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fort Sill

Lawton, OK · Charter 10832

NCUA · 4 branches

Q2 2026

$394.2MAssets
$179.7MLoans
$352.1MShares
$45.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.81%, up 2 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 1.12% of loans (-92 bps YoY).
  • Capital: net worth / assets of 11.57%, up 46 bps from a year ago.
  • Funding: loans stand at 51.04% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.81%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.24%0 bps YoY

Efficiency Ratio (YTD, annualized)

72.31%+423 bps YoY

Net Worth / Assets

11.57%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.35%0.01%0.33%0.79%0.80%0.77%0.01%0.81%+2 bps
Return on Equity-3.25%0.13%3.06%7.10%7.07%6.74%0.08%7.00%-10 bps
Net Interest Margin4.18%4.24%4.16%4.24%4.29%4.31%4.20%4.24%0 bps
Efficiency Ratio69.89%69.71%71.91%68.08%68.40%68.90%81.61%72.31%+423 bps
Growth
Asset Growth (YoY)0.87%0.31%2.46%3.50%3.67%4.07%2.47%2.32%-118 bps
Loan Growth (YoY)-1.30%-4.41%-7.68%-9.40%-10.06%-8.33%-5.70%1.40%+1,080 bps
Share Growth (YoY)-0.85%0.18%1.90%2.31%2.72%2.59%1.44%1.52%-78 bps
Asset Quality
Delinquent Loans / Loans1.97%2.14%2.13%2.04%1.96%2.26%1.69%1.12%-92 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.92%11.20%10.79%11.11%11.33%11.47%11.14%11.57%+46 bps
Net Worth / Assets10.92%11.20%10.79%11.11%11.33%11.47%11.14%11.57%+46 bps
Liquidity & Funding
Loans / Shares57.41%55.77%51.85%51.10%50.27%49.83%48.20%51.04%-6 bps
Liquid Assets / Assets99.80%99.91%98.55%99.72%0.00%0.00%0.00%0.00%-9,972 bps