Jenks, OK · Cert 12484 · First Oklahoma Holdings Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 2.9% share · #10 of 59 inst. · $1.1B of $39.3B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.76% | 0.72% | 0.76% | 0.82% | 0.86% | 0.85% | 0.91% | +15 bps | |
| Return on Equity | 7.66% | 8.31% | 7.83% | 8.34% | 9.02% | 9.49% | 9.38% | 10.13% | +179 bps | |
| Net Interest Margin | 3.20% | 3.17% | 3.14% | 3.24% | 3.23% | 3.20% | 3.45% | 3.50% | +26 bps | |
| Efficiency Ratio | 65.69% | 66.57% | 74.40% | 72.80% | 69.97% | 69.62% | 66.05% | 64.17% | -863 bps | |
| Non-Interest Burden | 1.91% | 1.94% | 2.24% | 2.26% | 2.17% | 2.14% | 2.16% | 2.12% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 4.00% | 5.24% | 8.81% | 8.84% | 9.92% | 12.50% | 11.71% | +290 bps | |
| Loan Growth (YoY) | 3.16% | 6.33% | 5.82% | 9.61% | 12.96% | 12.94% | 14.84% | 12.76% | +315 bps | |
| Deposit Growth (YoY) | 0.84% | 3.36% | 5.33% | 7.92% | 10.44% | 12.78% | 13.44% | 12.52% | +460 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.54% | 0.57% | 0.76% | 0.69% | 0.62% | 0.68% | 0.55% | -20 bps | |
| Net Charge-Offs / Loans | 0.76% | 0.55% | 0.00% | 0.11% | 0.07% | 0.06% | 0.03% | 0.07% | -3 bps | |
| Allowance / Loans | 1.02% | 1.03% | 1.03% | 0.94% | 0.92% | 0.92% | 0.95% | 0.95% | +1 bps | |
| Allowance Coverage of NPLs | 2.9x | 1.9x | 1.8x | 1.2x | 1.3x | 1.5x | 1.4x | 1.7x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.30% | 9.22% | 9.10% | 9.26% | 9.11% | 9.05% | 9.04% | 9.07% | -19 bps | |
| Total Risk-Based Capital | 9.30% | 9.22% | 9.10% | 9.26% | 9.11% | 9.05% | 9.04% | 9.07% | -19 bps | |
| Equity / Assets | 9.11% | 9.07% | 9.30% | 8.97% | 9.01% | 9.04% | 9.14% | 8.77% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.46% | 99.14% | 98.25% | 97.38% | 99.68% | 99.28% | 99.46% | 97.58% | +21 bps | |
| Liquid Assets / Assets | 9.47% | 8.13% | 7.28% | 9.44% | 7.23% | 6.42% | 6.50% | 8.50% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 610% | 616% | 617% | n/a | n/a | |