Spiro, OK · Cert 16908 · Prairie Bell Holdings Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.1% share · #49 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 | -0.54% | -0.73% | 0.28% | 0.29% | -0.35% | 0.26% | -0.28% | 0.33% | +5 bps | |
| Return on Equity | -2.73% | -3.94% | 1.67% | 1.85% | -2.40% | 2.00% | -2.37% | 2.16% | +31 bps | |
| Net Interest Margin | 4.43% | 4.83% | 4.43% | 4.63% | 4.28% | 4.31% | 3.57% | 3.99% | -64 bps | |
| Efficiency Ratio | 99.05% | 93.67% | 89.52% | 84.43% | 97.94% | 106.86% | 98.09% | 85.94% | +152 bps | |
| Non-Interest Burden | 4.32% | 4.44% | 3.89% | 3.82% | 4.15% | 4.57% | 3.48% | 3.38% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.04% | 38.41% | 26.67% | 32.81% | 40.31% | 43.85% | 41.07% | 35.48% | +267 bps | |
| Loan Growth (YoY) | 47.53% | 193.77% | 272% | 303% | 273% | 134.26% | 91.80% | 81.08% | -22,200 bps | |
| Deposit Growth (YoY) | 5.26% | 24.86% | 27.70% | 39.64% | 51.10% | 52.32% | 48.85% | 28.48% | -1,116 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.10% | 0.01% | 0.27% | 0.08% | 0.09% | 0.06% | 0.09% | -18 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.00% | -0.01% | 0.05% | 0.01% | 0.11% | 0.00% | +1 bps | |
| Allowance / Loans | 1.62% | 1.38% | 1.14% | 0.98% | 0.93% | 0.86% | 0.91% | 0.83% | -15 bps | |
| Allowance Coverage of NPLs | 124.5x | 13.6x | 218.5x | 3.7x | 11.2x | 9.5x | 14.3x | 9.2x | +5.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.51% | 13.66% | 12.72% | 12.50% | 11.82% | 11.29% | 9.03% | 17.01% | +452 bps | |
| Total Risk-Based Capital | 15.51% | 13.66% | 12.72% | 12.50% | 11.82% | 11.29% | 9.03% | 17.01% | +452 bps | |
| Equity / Assets | 20.16% | 17.28% | 16.26% | 14.90% | 14.11% | 12.39% | 11.57% | 19.20% | +430 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.61% | 45.87% | 52.43% | 58.85% | 65.74% | 70.54% | 67.57% | 82.94% | +2,409 bps | |
| Liquid Assets / Assets | 17.44% | 12.56% | 11.15% | 8.29% | 7.94% | 6.56% | 9.03% | 5.67% | -262 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 209% | 308% | 295% | n/a | n/a | |