Durant, OK · Cert 13905 · FNB Financial Services Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Sherman-Denison, TX · 2026 SOD (annual) · 0.5% share · #13 of 17 inst. · $0.0B of $4.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 1.17% | 0.80% | 1.23% | 1.05% | +13 bps | |
| Return on Equity | 9.80% | 11.87% | 7.89% | 12.43% | 10.53% | +74 bps | |
| Net Interest Margin | 4.53% | 4.70% | 4.75% | 4.74% | 4.77% | +24 bps | |
| Efficiency Ratio | 71.94% | 70.94% | 70.54% | 69.32% | 70.85% | -109 bps | |
| Non-Interest Burden | 3.10% | 3.17% | 3.19% | 3.12% | 3.22% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.21% | -2.07% | -1.80% | 0.74% | 1.09% | +88 bps | |
| Loan Growth (YoY) | -2.23% | 1.71% | 0.63% | 3.15% | 1.22% | +345 bps | |
| Deposit Growth (YoY) | -0.13% | -3.67% | -3.02% | 0.05% | 0.37% | +50 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.25% | 3.40% | 3.51% | 3.34% | 3.38% | +13 bps | |
| Net Charge-Offs / Loans | 0.42% | 0.00% | 0.50% | 0.09% | 0.38% | -4 bps | |
| Allowance / Loans | 1.39% | 1.35% | 1.41% | 1.36% | 1.35% | -3 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.47% | 11.91% | 11.13% | 11.52% | 11.60% | +12 bps | |
| Total Risk-Based Capital | 17.96% | 11.91% | 11.13% | 11.52% | 11.60% | -637 bps | |
| Equity / Assets | 9.43% | 10.34% | 9.93% | 9.87% | 10.05% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.62% | 78.61% | 77.40% | 76.20% | 75.25% | +63 bps | |
| Liquid Assets / Assets | 1.84% | 0.01% | 1.27% | 4.05% | 4.47% | +263 bps | |
| CRE / Total Capital | n/a | 201% | 217% | 220% | n/a | n/a | |