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 (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 | 0.93% | 0.86% | 1.00% | 0.96% | 1.03% | 0.97% | 1.23% | 1.14% | +19 bps | |
| Return on Equity | 10.09% | 9.41% | 11.03% | 10.44% | 10.88% | 10.20% | 12.43% | 11.48% | +104 bps | |
| Net Interest Margin | 3.91% | 4.03% | 4.24% | 4.35% | 4.50% | 4.54% | 4.74% | 4.71% | +37 bps | |
| Efficiency Ratio | 74.18% | 75.25% | 72.13% | 72.03% | 71.65% | 71.36% | 69.32% | 70.09% | -194 bps | |
| Non-Interest Burden | 2.72% | 2.86% | 2.91% | 2.98% | 3.07% | 3.08% | 3.12% | 3.15% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 0.34% | 1.50% | 0.21% | -2.07% | -1.80% | 0.74% | 1.09% | +88 bps | |
| Loan Growth (YoY) | -2.27% | -2.54% | -2.46% | -2.23% | 1.71% | 0.63% | 3.15% | 1.22% | +345 bps | |
| Deposit Growth (YoY) | 2.44% | 1.54% | 1.27% | -0.13% | -3.67% | -3.02% | 0.05% | 0.37% | +50 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.11% | 3.58% | 3.43% | 3.25% | 3.40% | 3.51% | 3.34% | 3.38% | +13 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.10% | 0.07% | 0.24% | 0.16% | 0.25% | 0.09% | 0.23% | -1 bps | |
| Allowance / Loans | 1.36% | 1.41% | 1.40% | 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 | 0.4x | 0.4x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.48% | 11.05% | 11.43% | 11.47% | 11.91% | 11.13% | 11.52% | 11.60% | +12 bps | |
| Total Risk-Based Capital | 11.48% | 11.05% | 11.43% | 17.96% | 11.91% | 11.13% | 11.52% | 11.60% | -637 bps | |
| Equity / Assets | 9.87% | 8.79% | 9.26% | 9.43% | 10.34% | 9.93% | 9.87% | 10.05% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.45% | 74.60% | 73.91% | 74.62% | 78.61% | 77.40% | 76.20% | 75.25% | +63 bps | |
| Liquid Assets / Assets | 2.74% | 1.66% | 3.44% | 1.84% | 0.01% | 1.27% | 4.05% | 4.47% | +263 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 201% | 217% | 220% | n/a | n/a | |