Anadarko, OK · Cert 12283
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.82% | -0.52% | 1.01% | 0.64% | -7 bps | |
| Return on Equity | 13.50% | 13.68% | -8.44% | 16.97% | 10.60% | -290 bps | |
| Net Interest Margin | 2.14% | 2.27% | 2.41% | 2.36% | 2.33% | +19 bps | |
| Efficiency Ratio | 66.82% | 60.60% | 108.67% | 57.53% | 62.58% | -424 bps | |
| Non-Interest Burden | 1.30% | 1.20% | 2.65% | 1.09% | 1.24% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.87% | 7.90% | 10.66% | 7.29% | 6.46% | -241 bps | |
| Loan Growth (YoY) | 4.11% | 24.65% | 16.07% | 14.19% | 22.58% | +1,848 bps | |
| Deposit Growth (YoY) | 7.41% | 7.66% | 8.44% | 6.20% | 5.73% | -168 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 0.40% | 0.43% | 0.39% | 0.34% | -20 bps | |
| Net Charge-Offs / Loans | 0.05% | -0.01% | 0.04% | 0.08% | 0.11% | +6 bps | |
| Allowance / Loans | 2.36% | 2.18% | 2.38% | 2.45% | 2.50% | +13 bps | |
| Allowance Coverage of NPLs | 4.4x | 5.4x | 5.5x | 6.3x | 7.4x | +3.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.50% | 11.81% | 11.42% | 11.08% | 11.21% | -29 bps | |
| Total Risk-Based Capital | 11.50% | 11.81% | 11.42% | 11.08% | 11.21% | -29 bps | |
| Equity / Assets | 5.39% | 6.56% | 5.87% | 5.98% | 6.02% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 27.03% | 30.98% | 27.85% | 27.71% | 31.34% | +431 bps | |
| Liquid Assets / Assets | 17.40% | 14.90% | 16.32% | 18.11% | 14.58% | -282 bps | |
| CRE / Total Capital | n/a | 53.78% | 52.06% | 58.16% | n/a | n/a | |