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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.47% | 1.53% | 1.44% | 1.72% | 1.05% | 1.24% | 1.46% | +2 bps | |
| Return on Equity | 19.13% | 15.89% | 17.10% | 16.11% | 18.24% | 10.43% | 12.38% | 14.95% | -116 bps | |
| Net Interest Margin | 4.19% | 4.20% | 4.01% | 4.10% | 4.37% | 4.14% | 3.98% | 4.13% | +3 bps | |
| Efficiency Ratio | 57.11% | 62.33% | 58.28% | 61.40% | 53.92% | 64.43% | 59.25% | 55.49% | -591 bps | |
| Non-Interest Burden | 2.11% | 2.38% | 2.12% | 2.30% | 2.07% | 2.43% | 2.16% | 2.06% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.08% | 3.03% | 7.12% | 3.99% | 5.40% | 3.67% | 4.67% | 6.58% | +259 bps | |
| Loan Growth (YoY) | 6.85% | 6.94% | 4.67% | 1.42% | 6.16% | 2.80% | 2.33% | 5.51% | +408 bps | |
| Deposit Growth (YoY) | 0.48% | 5.14% | 9.45% | 6.31% | 5.10% | 2.27% | 3.77% | 5.66% | -65 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.17% | 0.14% | 1.51% | 1.55% | 1.58% | 0.75% | 0.73% | -78 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.09% | -0.01% | 0.21% | 0.03% | 3.16% | 0.09% | +10 bps | |
| Allowance / Loans | 1.35% | 1.28% | 1.23% | 1.27% | 1.24% | 1.37% | 0.69% | 0.78% | -49 bps | |
| Allowance Coverage of NPLs | 7.3x | 7.4x | 8.9x | 0.8x | 0.8x | 0.9x | 0.9x | 1.1x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.40% | 11.87% | 11.40% | 11.38% | 12.09% | 12.14% | 11.61% | 11.34% | -4 bps | |
| Total Risk-Based Capital | 11.40% | 11.87% | 11.40% | 11.38% | 12.09% | 12.14% | 11.61% | 11.34% | -4 bps | |
| Equity / Assets | 9.51% | 8.96% | 8.93% | 8.99% | 9.84% | 10.27% | 9.79% | 9.76% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.51% | 67.18% | 65.01% | 65.73% | 67.18% | 67.53% | 64.11% | 65.63% | -10 bps | |
| Liquid Assets / Assets | 3.03% | 2.48% | 5.60% | 2.80% | 1.84% | 2.25% | 6.02% | 2.63% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 63.63% | 60.13% | 59.55% | n/a | n/a | |