Oklahoma City, OK · Cert 17001 · FSB Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.3% share · #46 of 71 inst. · $0.2B of $60.8B
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 | 1.64% | 1.41% | -1.52% | 0.70% | 0.83% | 0.99% | 0.93% | 0.18% | -51 bps | |
| Return on Equity | 9.15% | 8.41% | -12.80% | 6.22% | 7.75% | 9.57% | 9.79% | 1.87% | -435 bps | |
| Net Interest Margin | 5.23% | 4.70% | 5.23% | 4.89% | 4.14% | 3.95% | 3.82% | 3.96% | -92 bps | |
| Efficiency Ratio | 57.34% | 55.90% | 53.31% | 50.63% | 55.12% | 56.60% | 63.74% | 74.64% | +2,401 bps | |
| Non-Interest Burden | 2.77% | 2.41% | 2.55% | 2.22% | 2.07% | 2.04% | 2.25% | 2.87% | +65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 46.42% | 46.41% | 72.13% | 80.54% | 64.01% | 46.00% | 21.69% | -0.57% | -8,111 bps | |
| Loan Growth (YoY) | 43.83% | 54.29% | 72.70% | 84.77% | 63.98% | 37.05% | 14.27% | -4.48% | -8,925 bps | |
| Deposit Growth (YoY) | 56.50% | 50.03% | 128.24% | 124.84% | 109.80% | 96.01% | 25.58% | 2.56% | -12,228 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.89% | 1.85% | 1.61% | 2.33% | 7.76% | 7.19% | 8.89% | 13.20% | +1,087 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.30% | 0.10% | 0.39% | 0.26% | 0.22% | 0.02% | 0.06% | -33 bps | |
| Allowance / Loans | 1.14% | 1.20% | 2.06% | 1.67% | 1.60% | 1.57% | 1.68% | 2.07% | +40 bps | |
| Allowance Coverage of NPLs | 1.3x | 0.6x | 1.3x | 0.7x | 0.2x | 0.2x | 0.2x | 0.2x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.94% | 14.27% | 11.56% | 10.54% | 9.65% | 9.45% | 9.62% | 10.09% | -45 bps | |
| Total Risk-Based Capital | 18.71% | 15.87% | 14.72% | 12.88% | 12.48% | 9.45% | 9.62% | 10.09% | -279 bps | |
| Equity / Assets | 15.61% | 13.20% | 10.77% | 10.04% | 9.32% | 9.27% | 9.75% | 10.54% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 142.67% | 148.09% | 116.08% | 118.44% | 111.51% | 103.55% | 105.62% | 110.32% | -812 bps | |
| Liquid Assets / Assets | 0.14% | 0.14% | 0.14% | 0.22% | 0.38% | 0.16% | 0.15% | 0.29% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 401% | 364% | 307% | n/a | n/a | |