Perry, OK · Cert 13366 · Perry Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
39
Profitability
68
Liquidity
41
Efficiency
62
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Perry, OK · Cert 13366 · Perry Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
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 | 0.74% | 0.79% | 0.85% | 1.00% | 1.09% | 1.10% | 1.40% | 1.47% | +47 bps | |
| Return on Equity | 9.99% | 10.68% | 11.56% | 13.58% | 14.39% | 14.27% | 16.54% | 17.26% | +368 bps | |
| Net Interest Margin | 3.14% | 3.19% | 3.45% | 3.50% | 3.61% | 3.65% | 3.95% | 3.95% | +45 bps | |
| Efficiency Ratio | 72.75% | 71.69% | 69.66% | 66.77% | 65.14% | 64.40% | 58.49% | 57.54% | -923 bps | |
| Non-Interest Burden | 2.10% | 2.09% | 2.21% | 2.09% | 2.08% | 2.09% | 1.97% | 1.92% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.24% | 3.96% | 2.95% | 3.99% | 3.33% | 4.45% | 6.75% | 4.17% | +18 bps | |
| Loan Growth (YoY) | 9.18% | 6.25% | 3.65% | 3.60% | 4.72% | 9.06% | 8.76% | 8.48% | +488 bps | |
| Deposit Growth (YoY) | 5.51% | 5.71% | 2.70% | 4.82% | 3.19% | 3.01% | 6.18% | 3.41% | -141 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.77% | 1.79% | 1.66% | 1.58% | 1.44% | 1.67% | 1.60% | 1.59% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.27% | 0.16% | 0.11% | 0.11% | 0.12% | 0.07% | -10 bps | |
| Allowance / Loans | 1.31% | 1.31% | 1.28% | 1.29% | 1.31% | 1.28% | 1.29% | 1.31% | +2 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.8x | 0.8x | 0.9x | 0.8x | 0.8x | 0.8x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.25% | 10.30% | 10.41% | 10.41% | 10.58% | 10.57% | 10.69% | 10.75% | +35 bps | |
| Total Risk-Based Capital | 14.86% | 15.12% | 15.30% | 15.34% | 15.52% | 15.59% | 15.84% | 16.04% | +70 bps | |
| Equity / Assets | 7.69% | 7.36% | 7.39% | 7.36% | 8.13% | 8.44% | 8.45% | 8.73% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.72% | 79.53% | 79.39% | 79.83% | 81.93% | 84.20% | 81.32% | 83.75% | +392 bps | |
| Liquid Assets / Assets | 1.17% | 1.78% | 2.29% | 1.58% | 1.61% | 2.23% | 4.06% | 1.50% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 295% | 295% | 280% | n/a | n/a | |
Perry, OK · Cert 13366 · Peer group: banks under $1B in assets in OK (n=88-89) · Perry Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets
1.47%
Rank 28 of 89
Net Interest Margin
3.95%
Rank 43 of 89
Efficiency Ratio
57.54%
Rank 35 of 89
Equity / Assets
8.73%
Rank 75 of 89
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.47% | 0.85% | 1.26% | 1.60% | Beats 69% | 28 / 89 | ||
| Return on Equity | 16.81% | 7.40% | 11.89% | 14.65% | Beats 83% | 15 / 89 | ||
| Net Interest Margin | 3.95% | 3.46% | 3.93% | 4.45% | Beats 52% | 43 / 89 | ||
| Efficiency Ratio | 57.54% | 54.70% | 60.95% | 71.14% | Beats 62% | 35 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.59% | 0.30% | 0.82% | 2.25% | Beats 35% | 58 / 88 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.03% | 0.20% | Beats 43% | 51 / 88 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.69% | 10.89% | 13.00% | 16.33% | Beats 69% | 28 / 89 | ||
| Total Risk-Based Capital Ratio | 16.04% | 11.20% | 13.06% | 16.33% | Beats 72% | 25 / 89 | ||
| Equity / Assets | 8.73% | 9.26% | 10.94% | 13.52% | Beats 16% | 75 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.75% | 61.51% | 72.27% | 84.01% | 73rd pctl | 24 / 88 | ||
| Loans / Assets | 75.38% | 52.51% | 63.15% | 71.27% | 84th pctl | 14 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||