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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.00% | 0.72% | 0.78% | 0.97% | 0.93% | 0.70% | 1.08% | +30 bps | |
| Return on Equity | 10.86% | 10.58% | 7.54% | 8.14% | 10.04% | 9.65% | 7.27% | 11.11% | +297 bps | |
| Net Interest Margin | 4.35% | 4.47% | 4.61% | 4.70% | 4.85% | 4.60% | 4.75% | 4.76% | +6 bps | |
| Efficiency Ratio | 70.46% | 71.72% | 80.94% | 78.60% | 75.41% | 76.24% | 81.97% | 73.02% | -558 bps | |
| Non-Interest Burden | 2.76% | 2.94% | 3.63% | 3.59% | 3.49% | 3.37% | 3.81% | 3.32% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.81% | 4.65% | 6.54% | -0.71% | 6.84% | 6.05% | 3.17% | 6.92% | +764 bps | |
| Loan Growth (YoY) | 2.52% | 1.58% | 4.45% | 5.52% | 6.27% | 7.52% | 7.76% | 5.91% | +39 bps | |
| Deposit Growth (YoY) | 7.73% | 6.37% | 7.86% | -0.22% | 8.26% | 7.52% | 3.14% | 7.17% | +739 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.16% | 1.77% | 1.58% | 2.21% | 3.90% | 1.83% | 1.06% | 1.67% | -54 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.09% | 0.93% | 0.45% | 0.31% | 0.23% | -0.03% | -0.01% | -47 bps | |
| Allowance / Loans | 1.68% | 1.61% | 1.38% | 1.35% | 1.34% | 1.30% | 1.32% | 1.35% | 0 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.9x | 0.6x | 0.3x | 0.7x | 1.2x | 0.8x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.34% | 9.49% | 9.47% | 9.45% | 9.85% | 9.30% | 9.71% | 9.55% | +9 bps | |
| Total Risk-Based Capital | 9.34% | 9.49% | 9.47% | 13.76% | 13.82% | 9.30% | 9.71% | 9.55% | -421 bps | |
| Equity / Assets | 9.77% | 9.47% | 9.58% | 9.67% | 9.74% | 9.55% | 9.83% | 9.66% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.39% | 80.01% | 78.77% | 81.35% | 79.90% | 80.01% | 82.29% | 80.40% | -96 bps | |
| Liquid Assets / Assets | 10.55% | 9.85% | 9.73% | 9.33% | 12.83% | 12.39% | 11.03% | 11.29% | +196 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 331% | 347% | 341% | n/a | n/a | |