Medford, OK · Cert 15778
State charter, Fed member · FED · 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.05% | -0.02% | -0.07% | -0.03% | -10 bps | |
| Return on Equity | 0.46% | 0.30% | -0.12% | -0.49% | -0.20% | -66 bps | |
| Net Interest Margin | 2.06% | 2.11% | 2.08% | 1.95% | 2.03% | -3 bps | |
| Efficiency Ratio | 96.13% | 97.38% | 100.80% | 103.65% | 101.45% | +532 bps | |
| Non-Interest Burden | 1.97% | 2.05% | 2.10% | 2.03% | 2.06% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.62% | -2.58% | 0.90% | 2.59% | 5.87% | +849 bps | |
| Loan Growth (YoY) | -34.06% | -35.83% | -33.49% | -2.92% | -6.88% | +2,718 bps | |
| Deposit Growth (YoY) | -3.97% | -3.34% | 0.30% | 2.58% | 6.66% | +1,063 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.34% | 0.28% | 0.55% | 0.12% | -46 bps | |
| Net Charge-Offs / Loans | 0.63% | 0.44% | 0.35% | 0.07% | 0.58% | -5 bps | |
| Allowance / Loans | 3.41% | 3.54% | 3.44% | 3.40% | 3.34% | -7 bps | |
| Allowance Coverage of NPLs | 5.9x | 10.5x | 12.1x | 6.2x | 27.4x | +21.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.27% | 16.64% | 16.42% | 15.57% | 15.59% | -67 bps | |
| Total Risk-Based Capital | 16.27% | 16.64% | 16.42% | 15.57% | 15.59% | -67 bps | |
| Equity / Assets | 15.74% | 16.24% | 14.16% | 15.04% | 15.28% | -46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 24.80% | 24.34% | 21.01% | 22.64% | 21.65% | -315 bps | |
| Liquid Assets / Assets | 12.01% | 17.10% | 14.23% | 9.09% | 8.83% | -317 bps | |
| CRE / Total Capital | n/a | 16.00% | 15.84% | 14.49% | n/a | n/a | |