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 | |