Lamont, OK · Cert 13551 · State Exchange Bancshares Inc.
State charter, non-member · FDIC · 1 branch
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 | -0.16% | 0.08% | 0.05% | -3.56% | -2.26% | -1.17% | -0.03% | 0.68% | +425 bps | |
| Return on Equity | -1.68% | 0.86% | 0.54% | -36.90% | -23.24% | -11.90% | -0.29% | 6.51% | +4,341 bps | |
| Net Interest Margin | 3.17% | 3.12% | 2.69% | 2.77% | 3.14% | 3.47% | 3.40% | 3.69% | +92 bps | |
| Efficiency Ratio | 58.49% | 60.28% | 87.58% | 81.25% | 80.93% | 70.89% | 76.38% | 67.51% | -1,374 bps | |
| Non-Interest Burden | 1.77% | 1.81% | 2.34% | 2.19% | 2.48% | 2.37% | 2.56% | 2.38% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.20% | -6.99% | -9.19% | -19.09% | -22.02% | -18.39% | -14.22% | -5.97% | +1,312 bps | |
| Loan Growth (YoY) | -4.71% | -9.64% | -12.02% | -24.70% | -20.95% | -22.55% | -27.70% | -16.66% | +804 bps | |
| Deposit Growth (YoY) | -1.26% | -7.99% | -8.27% | -12.63% | -17.43% | -13.34% | -10.25% | -7.50% | +513 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 10.34% | 8.74% | 14.34% | 11.32% | 10.93% | 5.52% | 5.15% | 6.88% | -444 bps | |
| Net Charge-Offs / Loans | 1.53% | 1.17% | -0.17% | 8.63% | 5.61% | 4.12% | 1.14% | 0.60% | -803 bps | |
| Allowance / Loans | 2.51% | 2.69% | 2.88% | 1.91% | 2.04% | 2.50% | 2.75% | 2.84% | +93 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.3x | 0.2x | 0.2x | 0.2x | 0.5x | 0.5x | 0.4x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.39% | 9.53% | 9.68% | 8.72% | 9.95% | 10.54% | 10.72% | 10.65% | +194 bps | |
| Total Risk-Based Capital | 9.39% | 9.53% | 9.68% | 8.72% | 9.95% | 10.54% | 10.72% | 10.65% | +194 bps | |
| Equity / Assets | 9.22% | 9.62% | 9.89% | 9.43% | 9.86% | 10.32% | 10.37% | 10.88% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.30% | 94.16% | 96.20% | 88.57% | 90.28% | 84.15% | 77.50% | 79.80% | -877 bps | |
| Liquid Assets / Assets | 12.32% | 12.56% | 11.31% | 12.58% | 9.14% | 16.43% | 19.15% | 20.96% | +837 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 349% | 277% | 250% | n/a | n/a | |