Atoka, OK · Cert 15510 · Atoka State Bcorp Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Sherman-Denison, TX · 2026 SOD (annual) · 1.3% share · #12 of 17 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.97% | 0.93% | 0.70% | 1.08% | +30 bps | |
| Return on Equity | 8.14% | 10.04% | 9.65% | 7.27% | 11.11% | +297 bps | |
| Net Interest Margin | 4.70% | 4.85% | 4.60% | 4.75% | 4.76% | +6 bps | |
| Efficiency Ratio | 78.60% | 75.41% | 76.24% | 81.97% | 73.02% | -558 bps | |
| Non-Interest Burden | 3.59% | 3.49% | 3.37% | 3.81% | 3.32% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.71% | 6.84% | 6.05% | 3.17% | 6.92% | +764 bps | |
| Loan Growth (YoY) | 5.52% | 6.27% | 7.52% | 7.76% | 5.91% | +39 bps | |
| Deposit Growth (YoY) | -0.22% | 8.26% | 7.52% | 3.14% | 7.17% | +739 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.21% | 3.90% | 1.83% | 1.06% | 1.67% | -54 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.31% | 0.23% | -0.03% | -0.01% | -47 bps | |
| Allowance / Loans | 1.35% | 1.34% | 1.30% | 1.32% | 1.35% | 0 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.3x | 0.7x | 1.2x | 0.8x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.45% | 9.85% | 9.30% | 9.71% | 9.55% | +9 bps | |
| Total Risk-Based Capital | 13.76% | 13.82% | 9.30% | 9.71% | 9.55% | -421 bps | |
| Equity / Assets | 9.67% | 9.74% | 9.55% | 9.83% | 9.66% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.35% | 79.90% | 80.01% | 82.29% | 80.40% | -96 bps | |
| Liquid Assets / Assets | 9.33% | 12.83% | 12.39% | 11.03% | 11.29% | +196 bps | |
| CRE / Total Capital | n/a | 331% | 347% | 341% | n/a | n/a | |