Locust Grove, OK · Cert 16795 · Allbank Holding Co. Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
76
Profitability
86
Liquidity
0
Efficiency
97
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Locust Grove, OK · Cert 16795 · Allbank Holding Co. Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.2% share · #45 of 59 inst. · $0.1B of $39.3B
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 | 1.85% | 1.90% | 1.64% | 1.70% | 2.04% | 1.94% | 1.79% | 1.88% | +18 bps | |
| Return on Equity | 17.48% | 18.06% | 16.56% | 16.98% | 20.32% | 19.38% | 18.08% | 19.42% | +244 bps | |
| Net Interest Margin | 4.87% | 4.72% | 4.85% | 4.86% | 4.78% | 4.59% | 4.96% | 4.66% | -20 bps | |
| Efficiency Ratio | 49.19% | 48.73% | 49.05% | 48.90% | 48.36% | 47.61% | 39.76% | 42.20% | -670 bps | |
| Non-Interest Burden | 2.06% | 2.03% | 2.20% | 2.22% | 2.17% | 2.03% | 1.82% | 1.83% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 42.08% | 28.91% | 26.29% | 38.40% | 40.10% | 54.46% | 50.41% | 41.85% | +345 bps | |
| Loan Growth (YoY) | 52.80% | 32.64% | 35.50% | 37.54% | 46.33% | 56.11% | 47.26% | 45.87% | +833 bps | |
| Deposit Growth (YoY) | 44.15% | 28.59% | 26.25% | 38.87% | 41.93% | 56.15% | 42.38% | 43.46% | +459 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.10% | 0.01% | 0.00% | 0.09% | 0.06% | 0.31% | 0.30% | +30 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.15% | 0.10% | 0.02% | -0.01% | 0.00% | -0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.47% | 1.42% | 1.32% | 1.44% | 1.39% | 1.35% | 1.42% | 1.43% | -2 bps | |
| Allowance Coverage of NPLs | 160.6x | 13.5x | 215.8x | n/a | 14.7x | 22.5x | 4.5x | 4.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.58% | 10.58% | 10.37% | 10.97% | 10.51% | 11.22% | 10.82% | 9.52% | -145 bps | |
| Total Risk-Based Capital | 11.58% | 10.58% | 10.37% | 10.97% | 10.51% | 11.22% | 10.82% | 9.52% | -145 bps | |
| Equity / Assets | 11.23% | 10.32% | 9.51% | 10.29% | 10.06% | 9.86% | 9.90% | 9.35% | -94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.91% | 89.77% | 92.30% | 91.64% | 92.69% | 89.75% | 95.47% | 93.17% | +154 bps | |
| Liquid Assets / Assets | 13.19% | 12.08% | 12.08% | 9.44% | 10.73% | 10.40% | 12.51% | 8.10% | -134 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 180.57% | 168.29% | 215% | n/a | n/a | |
Locust Grove, OK · Cert 16795 · Peer group: banks under $1B in assets in OK (n=88-89) · Allbank Holding Co. Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets
1.84%
Rank 11 of 89
Net Interest Margin
4.66%
Rank 19 of 89
Efficiency Ratio
42.20%
Rank 4 of 89
Equity / Assets
9.35%
Rank 66 of 89
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.84% | 0.85% | 1.26% | 1.60% | Beats 88% | 11 / 89 | ||
| Return on Equity | 19.68% | 7.40% | 11.89% | 14.65% | Beats 92% | 7 / 89 | ||
| Net Interest Margin | 4.66% | 3.46% | 3.93% | 4.45% | Beats 79% | 19 / 89 | ||
| Efficiency Ratio | 42.20% | 54.70% | 60.95% | 71.14% | Beats 97% | 4 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.30% | 0.82% | 2.25% | Beats 75% | 23 / 88 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 77% | 21 / 88 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.52% | 10.89% | 13.00% | 16.33% | Beats 6% | 84 / 89 | ||
| Total Risk-Based Capital Ratio | 9.52% | 11.20% | 13.06% | 16.33% | Beats 6% | 84 / 89 | ||
| Equity / Assets | 9.35% | 9.26% | 10.94% | 13.52% | Beats 26% | 66 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.17% | 61.51% | 72.27% | 84.01% | 91st pctl | 8 / 88 | ||
| Loans / Assets | 83.84% | 52.51% | 63.15% | 71.27% | 93rd pctl | 6 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||