PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southwest Oklahoma

Lawton, OK · Charter 12271

NCUA · 1 branch

Q2 2026

$116.4MAssets
$74.6MLoans
$94.1MShares
$22.5MNet Worth

Executive Summary

  • Earnings: ROA of 2.00%, up 23 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 0.88% of loans (+11 bps YoY).
  • Capital: net worth / assets of 19.32%, up 191 bps from a year ago.
  • Funding: loans stand at 79.28% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.00%+23 bps YoY

Net Interest Margin (YTD, annualized)

4.85%+24 bps YoY

Efficiency Ratio (YTD, annualized)

60.82%-431 bps YoY

Net Worth / Assets

19.32%+191 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.51%1.66%1.77%1.81%1.83%1.84%2.00%+23 bps
Return on Equity9.25%8.89%9.63%10.17%10.14%9.99%9.86%10.35%+17 bps
Net Interest Margin4.35%4.35%4.53%4.60%4.67%4.70%4.76%4.85%+24 bps
Efficiency Ratio68.53%68.26%67.60%65.14%64.12%63.28%62.67%60.82%-431 bps
Growth
Asset Growth (YoY)-4.86%0.11%3.48%5.84%5.18%2.68%2.84%0.20%-563 bps
Loan Growth (YoY)-8.77%-0.73%-0.73%-1.93%8.03%4.80%10.14%6.48%+841 bps
Share Growth (YoY)-8.70%-2.00%1.36%4.25%3.60%0.22%0.86%-2.64%-689 bps
Asset Quality
Delinquent Loans / Loans1.12%1.18%1.05%0.76%0.99%0.77%0.63%0.88%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.96%16.97%17.25%17.41%17.83%18.36%18.64%19.32%+191 bps
Net Worth / Assets16.96%16.97%17.25%17.41%17.83%18.36%18.64%19.32%+191 bps
Liquidity & Funding
Loans / Shares73.35%74.78%71.76%72.50%76.49%78.20%78.36%79.28%+679 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps