Valliant, OK · Cert 12757 · FSB Financial Corp.
State charter, non-member · FDIC · 3 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 1.92% | 1.33% | 1.72% | 1.52% | 1.66% | 1.29% | 1.40% | -33 bps | |
| Return on Equity | 19.21% | 18.38% | 13.27% | 17.98% | 14.78% | 15.14% | 12.01% | 13.35% | -463 bps | |
| Net Interest Margin | 5.83% | 5.85% | 5.71% | 5.75% | 5.66% | 5.84% | 5.53% | 5.77% | +2 bps | |
| Efficiency Ratio | 61.02% | 62.47% | 72.80% | 64.59% | 68.82% | 66.48% | 72.47% | 70.12% | +553 bps | |
| Non-Interest Burden | 3.36% | 3.48% | 4.03% | 3.55% | 3.75% | 3.73% | 3.89% | 3.90% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.20% | 7.42% | 3.40% | 5.33% | -1.17% | 4.60% | -0.40% | -1.62% | -695 bps | |
| Loan Growth (YoY) | -10.07% | -5.31% | -2.36% | -4.77% | -2.61% | -0.89% | -4.17% | -1.40% | +337 bps | |
| Deposit Growth (YoY) | 7.99% | 7.27% | 3.01% | 5.31% | -1.93% | 0.69% | -2.74% | -2.54% | -786 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.09% | 0.09% | 0.13% | 0.08% | 0.45% | 0.43% | +35 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.02% | -0.02% | 0.53% | -0.18% | 1.41% | -1.26% | -124 bps | |
| Allowance / Loans | 1.40% | 1.39% | 1.38% | 1.45% | 1.31% | 1.33% | 1.01% | 1.34% | -11 bps | |
| Allowance Coverage of NPLs | 14.5x | 14.9x | 15.7x | 16.6x | 10.2x | 17.4x | 2.2x | 3.1x | -13.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.42% | 10.63% | 9.71% | 10.12% | 10.38% | 11.10% | 10.26% | 10.91% | +80 bps | |
| Total Risk-Based Capital | 17.29% | 17.97% | 16.09% | 17.28% | 17.76% | 18.10% | 16.81% | 17.65% | +37 bps | |
| Equity / Assets | 10.26% | 10.64% | 9.38% | 9.78% | 10.87% | 11.09% | 10.31% | 10.63% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.09% | 81.22% | 77.22% | 74.03% | 77.55% | 79.94% | 76.08% | 74.90% | +87 bps | |
| Liquid Assets / Assets | 6.58% | 0.53% | 3.94% | 5.10% | 3.73% | 2.83% | 4.33% | 5.04% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 138.60% | 138.82% | 137.40% | n/a | n/a | |