Pawhuska, OK · Cert 14899 · N B C Bancshares Pawhuska Inc.
State charter, Fed member · FED · 15 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
38
Profitability
47
Liquidity
14
Efficiency
27
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pawhuska, OK · Cert 14899 · N B C Bancshares Pawhuska Inc.
State charter, Fed member · FED · 15 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 1.5% share · #16 of 59 inst. · $0.6B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.15% | 1.89% | 0.78% | 0.74% | 0.86% | 0.95% | 0.85% | 0.95% | +20 bps | |
| Return on Equity | 22.01% | 19.31% | 8.02% | 7.70% | 8.83% | 9.90% | 8.99% | 9.96% | +226 bps | |
| Net Interest Margin | 4.36% | 4.33% | 4.12% | 4.17% | 4.28% | 4.40% | 4.22% | 4.19% | +2 bps | |
| Efficiency Ratio | 60.09% | 60.78% | 68.20% | 70.59% | 69.03% | 68.54% | 65.55% | 65.34% | -525 bps | |
| Non-Interest Burden | 2.26% | 2.33% | 2.69% | 2.84% | 2.86% | 2.91% | 2.63% | 2.62% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.30% | 4.74% | 11.24% | 7.26% | 2.54% | 9.66% | 7.99% | 9.12% | +185 bps | |
| Loan Growth (YoY) | 15.62% | 7.24% | 12.25% | 5.68% | 3.74% | 9.60% | 7.43% | 11.33% | +566 bps | |
| Deposit Growth (YoY) | 8.93% | 5.88% | 9.00% | 4.43% | 3.62% | 10.52% | 6.94% | 4.23% | -20 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.81% | 1.13% | 1.35% | 1.30% | 1.30% | 0.76% | 2.69% | 2.06% | +76 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 1.28% | 0.90% | 0.60% | 0.62% | -0.05% | 0.01% | -89 bps | |
| Allowance / Loans | 1.56% | 1.61% | 1.33% | 1.30% | 1.34% | 1.10% | 1.20% | 1.20% | -10 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.4x | 1.0x | 1.0x | 1.0x | 1.4x | 0.4x | 0.6x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.51% | 9.35% | 9.07% | 9.02% | 9.08% | 9.13% | 9.04% | 9.08% | +6 bps | |
| Total Risk-Based Capital | 9.51% | 9.35% | 9.07% | 9.02% | 9.08% | 9.13% | 9.04% | 9.08% | +6 bps | |
| Equity / Assets | 10.10% | 9.82% | 9.51% | 9.57% | 9.89% | 9.18% | 9.61% | 9.68% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.18% | 94.06% | 95.50% | 94.57% | 96.30% | 93.28% | 95.94% | 101.02% | +645 bps | |
| Liquid Assets / Assets | 3.75% | 3.10% | 3.36% | 5.43% | 2.54% | 4.78% | 5.69% | 4.76% | -66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 463% | 540% | 530% | n/a | n/a | |
Pawhuska, OK · Cert 14899 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · N B C Bancshares Pawhuska Inc.
State charter, Fed member · FED · 15 branches
Q2 2026
Return on Assets
0.93%
Rank 132 of 176
Net Interest Margin
4.19%
Rank 22 of 176
Efficiency Ratio
67.00%
Rank 129 of 176
Equity / Assets
9.68%
Rank 117 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.93% | 1.26% | 1.54% | Beats 25% | 132 / 176 | ||
| Return on Equity | 9.62% | 9.26% | 11.89% | 14.46% | Beats 29% | 125 / 176 | ||
| Net Interest Margin | 4.19% | 3.25% | 3.59% | 3.93% | Beats 88% | 22 / 176 | ||
| Efficiency Ratio | 67.00% | 52.79% | 59.55% | 67.66% | Beats 27% | 129 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.06% | 0.30% | 0.64% | 1.32% | Beats 7% | 164 / 176 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 68% | 58 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.08% | 11.15% | 12.72% | 14.15% | Beats 0% | 176 / 176 | ||
| Total Risk-Based Capital Ratio | 9.08% | 11.81% | 13.63% | 15.33% | Beats 0% | 176 / 176 | ||
| Equity / Assets | 9.68% | 9.16% | 10.35% | 11.80% | Beats 34% | 117 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.02% | 80.94% | 89.73% | 97.21% | 86th pctl | 24 / 176 | ||
| Loans / Assets | 83.91% | 69.25% | 75.12% | 80.82% | 89th pctl | 19 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||