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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.77% | 2.06% | 1.64% | 1.74% | 2.65% | 1.75% | 1.79% | 1.94% | +20 bps | |
| Return on Equity | 16.22% | 19.14% | 16.56% | 17.59% | 26.10% | 17.57% | 18.08% | 20.18% | +259 bps | |
| Net Interest Margin | 5.01% | 5.48% | 4.85% | 5.17% | 5.61% | 5.28% | 4.96% | 4.63% | -54 bps | |
| Efficiency Ratio | 49.69% | 47.52% | 49.05% | 48.77% | 47.50% | 45.79% | 39.76% | 44.68% | -409 bps | |
| Non-Interest Burden | 2.22% | 2.45% | 2.20% | 2.38% | 2.53% | 2.19% | 1.82% | 1.95% | -43 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 | 0.31% | 0.28% | 0.10% | -0.06% | -0.07% | 0.03% | -0.01% | 0.01% | +7 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 | |