Oklahoma City, OK · Cert 11521 · Chickasaw Banc Holding Co.
State charter, Fed member · FED · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Oklahoma City, OK area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
62
Profitability
17
Liquidity
19
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Oklahoma City, OK · Cert 11521 · Chickasaw Banc Holding Co.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.6% share · #28 of 71 inst. · $0.4B of $60.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.35% | 0.32% | 0.50% | 0.51% | 0.34% | 0.89% | 0.75% | +25 bps | |
| Return on Equity | -2.18% | -4.27% | 2.51% | 3.80% | 3.99% | 2.72% | 7.82% | 6.61% | +282 bps | |
| Net Interest Margin | 3.03% | 2.96% | 3.28% | 3.49% | 3.53% | 3.66% | 3.52% | 3.26% | -23 bps | |
| Efficiency Ratio | 105.69% | 114.36% | 86.72% | 82.79% | 82.61% | 87.69% | 91.52% | 85.43% | +264 bps | |
| Non-Interest Burden | 3.23% | 3.42% | 2.82% | 2.84% | 2.86% | 3.19% | 3.19% | 2.71% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.02% | 5.03% | 1.15% | 8.18% | 8.50% | -7.15% | -2.65% | 23.67% | +1,550 bps | |
| Loan Growth (YoY) | -13.45% | -12.59% | -15.29% | -17.52% | -13.02% | -6.94% | -8.72% | 22.08% | +3,959 bps | |
| Deposit Growth (YoY) | -14.94% | -1.21% | -5.85% | 0.66% | 3.83% | -6.44% | -0.84% | 26.94% | +2,628 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 1.72% | 1.79% | 2.29% | 2.25% | 3.83% | 3.33% | 2.78% | +49 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.09% | 0.00% | 0.05% | 0.03% | 0.04% | -0.02% | -0.01% | -6 bps | |
| Allowance / Loans | 1.28% | 1.35% | 1.43% | 1.46% | 1.41% | 1.38% | 1.50% | 1.44% | -2 bps | |
| Allowance Coverage of NPLs | 3.8x | 0.8x | 0.8x | 0.6x | 0.6x | 0.4x | 0.5x | 0.5x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.14% | 14.23% | 13.96% | 13.66% | 11.52% | 11.73% | 11.79% | 11.03% | -263 bps | |
| Total Risk-Based Capital | 15.03% | 27.38% | 29.36% | 30.76% | 24.05% | 22.73% | 24.24% | 21.24% | -952 bps | |
| Equity / Assets | 7.65% | 12.71% | 13.14% | 13.56% | 11.25% | 11.50% | 11.33% | 11.10% | -246 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.28% | 72.72% | 70.63% | 69.00% | 68.09% | 72.33% | 65.01% | 66.36% | -265 bps | |
| Liquid Assets / Assets | 5.38% | 17.93% | 23.33% | 25.05% | 24.95% | 18.80% | 25.22% | 23.72% | -134 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 191.20% | 214% | 234% | n/a | n/a | |
Oklahoma City, OK · Cert 11521 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Chickasaw Banc Holding Co.
State charter, Fed member · FED · 5 branches
Q2 2026
Return on Assets
0.64%
Rank 18 of 25
Net Interest Margin
3.26%
Rank 23 of 25
Efficiency Ratio
85.43%
Rank 24 of 25
Equity / Assets
11.10%
Rank 5 of 25
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.60% | 0.90% | 1.27% | Beats 28% | 18 / 25 | ||
| Return on Equity | 5.80% | 6.92% | 9.16% | 13.29% | Beats 16% | 21 / 25 | ||
| Net Interest Margin | 3.26% | 3.56% | 3.82% | 4.10% | Beats 8% | 23 / 25 | ||
| Efficiency Ratio | 85.43% | 56.35% | 63.12% | 79.22% | Beats 8% | 24 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.78% | 0.33% | 0.76% | 2.35% | Beats 24% | 20 / 25 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 8 / 25 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.98% | 10.27% | 12.02% | 13.99% | Beats 96% | 1 / 25 | ||
| Total Risk-Based Capital Ratio | 21.24% | 10.27% | 12.44% | 15.25% | Beats 96% | 1 / 25 | ||
| Equity / Assets | 11.10% | 8.64% | 10.07% | 11.05% | Beats 80% | 5 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.36% | 70.71% | 82.03% | 97.03% | 16th pctl | 21 / 25 | ||
| Loans / Assets | 58.37% | 62.67% | 74.54% | 84.24% | 16th pctl | 21 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||