Lawton, OK · Cert 11522 · B O E Bancshares Inc.
National charter · OCC · 9 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 $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
88
Profitability
84
Liquidity
15
Efficiency
82
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.
Lawton, OK · Cert 11522 · B O E Bancshares Inc.
National charter · OCC · 9 branches
Q2 2026
Market Position · Lawton, OK · 2026 SOD (annual) · 32.3% share · #1 of 12 inst. · $0.7B of $2.3B
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 | 1.17% | 1.21% | 1.65% | 1.65% | 1.72% | 1.78% | 1.66% | 1.69% | +3 bps | |
| Return on Equity | 14.38% | 14.71% | 18.47% | 18.09% | 18.15% | 18.44% | 16.38% | 16.63% | -146 bps | |
| Net Interest Margin | 3.28% | 3.47% | 3.82% | 3.90% | 4.03% | 3.96% | 3.89% | 3.93% | +4 bps | |
| Efficiency Ratio | 56.58% | 55.89% | 50.41% | 49.54% | 48.84% | 48.16% | 49.39% | 49.52% | -2 bps | |
| Non-Interest Burden | 1.72% | 1.79% | 1.70% | 1.72% | 1.75% | 1.66% | 1.73% | 1.77% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.57% | 5.03% | 2.35% | -1.97% | -2.92% | 3.49% | 5.70% | 8.00% | +997 bps | |
| Loan Growth (YoY) | 7.53% | 5.82% | 6.92% | 6.87% | 4.91% | 0.90% | 0.68% | -0.66% | -753 bps | |
| Deposit Growth (YoY) | 10.14% | 4.14% | 0.84% | -3.55% | -4.67% | 1.81% | 4.94% | 7.19% | +1,073 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.04% | 0.10% | 0.04% | 0.03% | 0.02% | 0.02% | 0.02% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.04% | 0.02% | 0.03% | 0.01% | 0.01% | -3 bps | |
| Allowance / Loans | 1.07% | 1.13% | 1.12% | 1.13% | 1.13% | 1.15% | 1.15% | 1.13% | 0 bps | |
| Allowance Coverage of NPLs | 16.6x | 26.7x | 11.8x | 32.1x | 34.7x | 53.3x | 54.1x | 62.7x | +30.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.66% | 9.31% | 9.54% | 9.92% | 10.57% | 10.77% | 10.29% | 10.31% | +39 bps | |
| Total Risk-Based Capital | 12.85% | 13.43% | 13.91% | 14.21% | 14.74% | 15.85% | 15.60% | 15.47% | +126 bps | |
| Equity / Assets | 8.80% | 8.54% | 9.38% | 9.54% | 10.62% | 10.11% | 10.12% | 10.23% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.86% | 73.21% | 76.94% | 81.10% | 84.59% | 72.55% | 73.82% | 75.17% | -594 bps | |
| Liquid Assets / Assets | 3.74% | 8.54% | 5.21% | 4.67% | 2.37% | 14.35% | 13.48% | 12.26% | +759 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 363% | 335% | 325% | n/a | n/a | |
Lawton, OK · Cert 11522 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · B O E Bancshares Inc.
National charter · OCC · 9 branches
Q2 2026
Return on Assets
1.69%
Rank 21 of 176
Net Interest Margin
3.93%
Rank 42 of 176
Efficiency Ratio
49.52%
Rank 32 of 176
Equity / Assets
10.23%
Rank 93 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.69% | 0.93% | 1.26% | 1.54% | Beats 88% | 21 / 176 | ||
| Return on Equity | 16.51% | 9.26% | 11.89% | 14.46% | Beats 88% | 22 / 176 | ||
| Net Interest Margin | 3.93% | 3.25% | 3.59% | 3.93% | Beats 76% | 42 / 176 | ||
| Efficiency Ratio | 49.52% | 52.79% | 59.55% | 67.66% | Beats 82% | 32 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.30% | 0.64% | 1.32% | Beats 98% | 4 / 176 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 77% | 41 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.38% | 11.15% | 12.72% | 14.15% | Beats 77% | 41 / 176 | ||
| Total Risk-Based Capital Ratio | 15.47% | 11.81% | 13.63% | 15.33% | Beats 77% | 40 / 176 | ||
| Equity / Assets | 10.23% | 9.16% | 10.35% | 11.80% | Beats 47% | 93 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.17% | 80.94% | 89.73% | 97.21% | 14th pctl | 152 / 176 | ||
| Loans / Assets | 67.06% | 69.25% | 75.12% | 80.82% | 17th pctl | 146 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||