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 (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 | 2.60% | 1.13% | 0.78% | 0.70% | 1.08% | 1.25% | 0.85% | 1.04% | +34 bps | |
| Return on Equity | 26.30% | 11.38% | 8.02% | 7.39% | 11.07% | 13.09% | 8.99% | 10.82% | +343 bps | |
| Net Interest Margin | 4.58% | 4.49% | 4.12% | 4.30% | 4.34% | 4.89% | 4.22% | 4.23% | -7 bps | |
| Efficiency Ratio | 58.55% | 62.92% | 68.20% | 72.87% | 65.92% | 67.23% | 65.55% | 65.13% | -774 bps | |
| Non-Interest Burden | 2.24% | 2.65% | 2.69% | 3.05% | 2.77% | 3.17% | 2.63% | 2.65% | -39 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% | 0.03% | 1.28% | 0.49% | 0.00% | 0.78% | -0.05% | 0.05% | -44 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 | |