Pond Creek, OK · Cert 11527
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Enid, OK · 2026 SOD (annual) · 0.1% share · #12 of 14 inst. · $0.0B of $5.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.69% | 1.72% | 1.44% | 1.63% | 1.54% | -15 bps | |
| Return on Equity | 12.47% | 12.40% | 10.32% | 11.73% | 11.15% | -133 bps | |
| Net Interest Margin | 5.03% | 5.18% | 5.15% | 4.59% | 4.87% | -17 bps | |
| Efficiency Ratio | 61.25% | 60.45% | 63.96% | 59.64% | 63.38% | +214 bps | |
| Non-Interest Burden | 2.92% | 2.98% | 3.15% | 2.51% | 2.93% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.77% | 1.35% | 5.59% | 5.73% | -4.01% | -979 bps | |
| Loan Growth (YoY) | 5.18% | 7.85% | 13.05% | 8.43% | 5.09% | -9 bps | |
| Deposit Growth (YoY) | 5.31% | -0.79% | 5.79% | 5.35% | -3.92% | -923 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 2.08% | 1.75% | 1.14% | 0.32% | +26 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.09% | 0.00% | 0.00% | 0.01% | +3 bps | |
| Allowance / Loans | 1.60% | 1.59% | 1.60% | 1.64% | 1.72% | +12 bps | |
| Allowance Coverage of NPLs | 27.6x | 0.8x | 0.9x | 1.4x | 5.3x | -22.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.73% | 14.59% | 14.63% | 13.86% | 12.78% | -95 bps | |
| Total Risk-Based Capital | 13.73% | 14.59% | 14.63% | 13.86% | 12.78% | -95 bps | |
| Equity / Assets | 13.70% | 14.74% | 14.36% | 13.48% | 13.63% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.87% | 99.27% | 105.99% | 93.29% | 98.30% | +842 bps | |
| Liquid Assets / Assets | 3.42% | 2.64% | 2.54% | 2.01% | 2.67% | -75 bps | |
| CRE / Total Capital | n/a | 44.05% | 47.86% | 50.23% | n/a | n/a | |