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 (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 | 1.23% | 1.33% | 1.65% | 1.66% | 1.87% | 1.98% | 1.66% | 1.73% | +7 bps | |
| Return on Equity | 14.65% | 15.38% | 18.47% | 17.57% | 18.56% | 19.10% | 16.38% | 16.97% | -60 bps | |
| Net Interest Margin | 3.43% | 3.75% | 3.82% | 3.92% | 4.14% | 4.06% | 3.89% | 4.05% | +13 bps | |
| Efficiency Ratio | 55.78% | 54.04% | 50.41% | 48.67% | 47.48% | 46.31% | 49.39% | 49.64% | +97 bps | |
| Non-Interest Burden | 1.77% | 1.86% | 1.70% | 1.71% | 1.76% | 1.51% | 1.73% | 1.84% | +13 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% | 0.06% | 0.00% | 0.06% | 0.01% | 0.01% | -5 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 | |