PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Exchange Bank, The

Lamont, OK · Cert 13551 · State Exchange Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$89.6MAssets
$62.7MLoans
$78.6MDeposits
$9.7MEquity
Loan mix
83%RE $45.0M16%C&I $8.4M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $62.9M20%Noninterest $15.7MQ2 2025Q2 2026

NIM

6.92%Q2 ’245.37%Q2 ’256.40%Q2 ’26-31%+53%

Non-interest income vs. expense

2.03%Q2 ’242.38%Q2 ’252.75%Q2 ’26+9%+21%

Executive Summary

  • Earnings: ROA of 1.41%, up 893 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 6.88% of loans (-444 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.65%, up 194 bps from a year ago.
  • Funding: loans stand at 79.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.41%+893 bps YoY

Net Interest Margin (quarter, annualized)

3.99%+138 bps YoY

Efficiency Ratio (quarter, annualized)

60.59%-1,450 bps YoY

Tier 1 Leverage Ratio

10.65%+194 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-7.52%0.52%1.89%-0.03%1.41%+893 bps
Return on Equity-77.70%5.35%18.70%-0.29%13.27%+9,097 bps
Net Interest Margin2.61%3.18%4.49%3.40%3.99%+138 bps
Efficiency Ratio75.09%80.25%48.63%76.38%60.59%-1,450 bps
Non-Interest Burden1.82%2.51%2.08%2.56%2.20%+38 bps
Growth
Asset Growth (YoY)-19.09%-22.02%-18.39%-14.22%-5.97%+1,312 bps
Loan Growth (YoY)-24.70%-20.95%-22.55%-27.70%-16.66%+804 bps
Deposit Growth (YoY)-12.63%-17.43%-13.34%-10.25%-7.50%+513 bps
Asset Quality
Nonperforming Loans / Loans11.32%10.93%5.52%5.15%6.88%-444 bps
Net Charge-Offs / Loans17.45%-0.48%-1.36%1.14%0.02%-1,743 bps
Allowance / Loans1.91%2.04%2.50%2.75%2.84%+93 bps
Allowance Coverage of NPLs0.2x0.2x0.5x0.5x0.4x+0.2x
Capital
Tier 1 Leverage Ratio8.72%9.95%10.54%10.72%10.65%+194 bps
Total Risk-Based Capital8.72%9.95%10.54%10.72%10.65%+194 bps
Equity / Assets9.43%9.86%10.32%10.37%10.88%+145 bps
Liquidity & Funding
Loans / Deposits88.57%90.28%84.15%77.50%79.80%-877 bps
Liquid Assets / Assets12.58%9.14%16.43%19.15%20.96%+837 bps
CRE / Total Capitaln/a349%277%250%n/an/a