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 (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 | 1.25% | 0.44% | 1.65% | 1.71% | 1.75% | 0.61% | 1.63% | 1.41% | -30 bps | |
| Return on Equity | 9.21% | 3.20% | 12.28% | 12.76% | 12.33% | 4.22% | 11.73% | 10.41% | -235 bps | |
| Net Interest Margin | 5.27% | 5.28% | 5.11% | 5.14% | 5.24% | 5.23% | 4.59% | 5.12% | -3 bps | |
| Efficiency Ratio | 64.96% | 83.16% | 63.49% | 58.88% | 58.83% | 74.08% | 59.64% | 67.00% | +813 bps | |
| Non-Interest Burden | 3.34% | 4.35% | 2.98% | 2.95% | 2.99% | 3.75% | 2.51% | 3.34% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | 3.08% | 4.37% | 5.77% | 1.35% | 5.59% | 5.73% | -4.01% | -979 bps | |
| Loan Growth (YoY) | 9.14% | 9.23% | 8.87% | 5.18% | 7.85% | 13.05% | 8.43% | 5.09% | -9 bps | |
| Deposit Growth (YoY) | -1.48% | -0.08% | 3.81% | 5.31% | -0.79% | 5.79% | 5.35% | -3.92% | -923 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.27% | 0.02% | 0.06% | 2.08% | 1.75% | 1.14% | 0.32% | +26 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.16% | 0.00% | -0.04% | -0.23% | 0.26% | 0.00% | 0.03% | +6 bps | |
| Allowance / Loans | 1.57% | 1.59% | 1.57% | 1.60% | 1.59% | 1.60% | 1.64% | 1.72% | +12 bps | |
| Allowance Coverage of NPLs | 3.7x | 5.8x | 79.2x | 27.6x | 0.8x | 0.9x | 1.4x | 5.3x | -22.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.58% | 13.93% | 13.67% | 13.73% | 14.59% | 14.63% | 13.86% | 12.78% | -95 bps | |
| Total Risk-Based Capital | 13.58% | 13.93% | 13.67% | 13.73% | 14.59% | 14.63% | 13.86% | 12.78% | -95 bps | |
| Equity / Assets | 13.71% | 13.82% | 13.15% | 13.70% | 14.74% | 14.36% | 13.48% | 13.63% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.32% | 99.18% | 90.64% | 89.87% | 99.27% | 105.99% | 93.29% | 98.30% | +842 bps | |
| Liquid Assets / Assets | 6.73% | 6.29% | 4.70% | 3.42% | 2.64% | 2.54% | 2.01% | 2.67% | -75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 44.05% | 47.86% | 50.23% | n/a | n/a | |