Stonewall, OK · Cert 15762
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.42% | 1.32% | 0.96% | 1.09% | 1.05% | 1.07% | 0.99% | 1.24% | +14 bps | |
| Return on Equity | 11.34% | 10.42% | 7.62% | 8.71% | 8.31% | 8.42% | 7.73% | 9.46% | +75 bps | |
| Net Interest Margin | 5.04% | 5.14% | 4.50% | 4.57% | 4.67% | 4.75% | 4.43% | 4.71% | +14 bps | |
| Efficiency Ratio | 62.63% | 64.55% | 73.00% | 70.26% | 72.17% | 71.31% | 73.83% | 69.23% | -102 bps | |
| Non-Interest Burden | 3.01% | 3.18% | 3.18% | 3.10% | 3.27% | 3.29% | 3.19% | 3.16% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.38% | -1.95% | 1.61% | 5.73% | 1.37% | 3.84% | -2.92% | -6.09% | -1,182 bps | |
| Loan Growth (YoY) | 6.12% | 3.58% | -2.91% | -5.02% | -11.42% | -9.86% | -6.68% | -8.14% | -312 bps | |
| Deposit Growth (YoY) | -0.07% | -2.92% | 1.39% | 6.09% | 1.20% | 4.08% | -3.74% | -7.47% | -1,355 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.08% | 1.79% | 1.41% | 1.32% | 1.14% | 1.03% | 0.67% | -74 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.27% | -0.02% | -0.02% | 0.02% | 0.03% | -0.18% | -0.09% | -8 bps | |
| Allowance / Loans | 1.71% | 1.73% | 1.81% | 1.90% | 2.01% | 2.04% | 2.01% | 2.10% | +20 bps | |
| Allowance Coverage of NPLs | 5.1x | 21.4x | 1.0x | 1.3x | 1.5x | 1.8x | 1.9x | 3.1x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.82% | 13.06% | 12.47% | 12.31% | 12.61% | 12.95% | 12.66% | 13.06% | +75 bps | |
| Total Risk-Based Capital | 12.82% | 13.06% | 12.47% | 12.31% | 12.61% | 12.95% | 12.66% | 13.06% | +75 bps | |
| Equity / Assets | 12.82% | 13.32% | 12.01% | 12.34% | 12.83% | 13.06% | 12.66% | 13.52% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.19% | 85.58% | 74.09% | 73.92% | 71.94% | 74.12% | 71.83% | 73.38% | -54 bps | |
| Liquid Assets / Assets | 15.93% | 16.53% | 18.88% | 16.52% | 18.57% | 18.80% | 18.09% | 22.31% | +579 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 24.32% | 23.75% | 27.89% | n/a | n/a | |