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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.65% | 1.72% | 1.78% | 1.66% | 1.69% | +3 bps | |
| Return on Equity | 18.09% | 18.15% | 18.44% | 16.38% | 16.63% | -146 bps | |
| Net Interest Margin | 3.90% | 4.03% | 3.96% | 3.89% | 3.93% | +4 bps | |
| Efficiency Ratio | 49.54% | 48.84% | 48.16% | 49.39% | 49.52% | -2 bps | |
| Non-Interest Burden | 1.72% | 1.75% | 1.66% | 1.73% | 1.77% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.97% | -2.92% | 3.49% | 5.70% | 8.00% | +997 bps | |
| Loan Growth (YoY) | 6.87% | 4.91% | 0.90% | 0.68% | -0.66% | -753 bps | |
| Deposit Growth (YoY) | -3.55% | -4.67% | 1.81% | 4.94% | 7.19% | +1,073 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.02% | 0.02% | 0.02% | -2 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.03% | 0.01% | 0.01% | -3 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.15% | 1.15% | 1.13% | 0 bps | |
| Allowance Coverage of NPLs | 32.1x | 34.7x | 53.3x | 54.1x | 62.7x | +30.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.92% | 10.57% | 10.77% | 10.29% | 10.31% | +39 bps | |
| Total Risk-Based Capital | 14.21% | 14.74% | 15.85% | 15.60% | 15.47% | +126 bps | |
| Equity / Assets | 9.54% | 10.62% | 10.11% | 10.12% | 10.23% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.10% | 84.59% | 72.55% | 73.82% | 75.17% | -594 bps | |
| Liquid Assets / Assets | 4.67% | 2.37% | 14.35% | 13.48% | 12.26% | +759 bps | |
| CRE / Total Capital | n/a | 363% | 335% | 325% | n/a | n/a | |