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 (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 | 0.23% | -0.96% | 0.32% | 0.68% | 0.52% | -0.18% | 0.89% | 0.64% | -3 bps | |
| Return on Equity | 3.10% | -9.27% | 2.51% | 5.06% | 4.21% | -1.61% | 7.82% | 5.74% | +67 bps | |
| Net Interest Margin | 3.30% | 3.29% | 3.28% | 3.81% | 3.42% | 3.77% | 3.52% | 3.66% | -15 bps | |
| Efficiency Ratio | 90.80% | 146.99% | 86.72% | 79.62% | 82.24% | 107.29% | 91.52% | 80.74% | +112 bps | |
| Non-Interest Burden | 2.98% | 4.55% | 2.82% | 2.97% | 2.71% | 4.00% | 3.19% | 2.84% | -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 | 0.03% | 0.08% | 0.00% | 0.10% | 0.00% | 0.06% | -0.02% | 0.00% | -10 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 | |