Perry, OK · Cert 13946 · FNBT Bancshares Perry OK Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.1% share · #47 of 59 inst. · $0.1B of $39.3B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.50% | 1.57% | 1.44% | 1.24% | 1.36% | -14 bps | |
| Return on Equity | 16.70% | 17.07% | 15.32% | 12.38% | 13.70% | -301 bps | |
| Net Interest Margin | 4.07% | 4.29% | 4.17% | 3.98% | 4.02% | -4 bps | |
| Efficiency Ratio | 59.86% | 57.84% | 59.50% | 59.25% | 57.32% | -254 bps | |
| Non-Interest Burden | 2.22% | 2.23% | 2.24% | 2.16% | 2.09% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.99% | 5.40% | 3.67% | 4.67% | 6.58% | +259 bps | |
| Loan Growth (YoY) | 1.42% | 6.16% | 2.80% | 2.33% | 5.51% | +408 bps | |
| Deposit Growth (YoY) | 6.31% | 5.10% | 2.27% | 3.77% | 5.66% | -65 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.51% | 1.55% | 1.58% | 0.75% | 0.73% | -78 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.10% | 0.08% | 3.16% | 1.62% | +158 bps | |
| Allowance / Loans | 1.27% | 1.24% | 1.37% | 0.69% | 0.78% | -49 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.9x | 0.9x | 1.1x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.38% | 12.09% | 12.14% | 11.61% | 11.34% | -4 bps | |
| Total Risk-Based Capital | 11.38% | 12.09% | 12.14% | 11.61% | 11.34% | -4 bps | |
| Equity / Assets | 8.99% | 9.84% | 10.27% | 9.79% | 9.76% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.73% | 67.18% | 67.53% | 64.11% | 65.63% | -10 bps | |
| Liquid Assets / Assets | 2.80% | 1.84% | 2.25% | 6.02% | 2.63% | -17 bps | |
| CRE / Total Capital | n/a | 63.63% | 60.13% | 59.55% | n/a | n/a | |