Waynoka, OK · Cert 18063
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #55 of 71 inst. · $0.1B of $60.8B
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 | 0.71% | 1.14% | 1.03% | 1.06% | 1.26% | 1.36% | 1.07% | 1.96% | +91 bps | |
| Return on Equity | 7.08% | 11.27% | 10.44% | 10.92% | 12.17% | 12.48% | 9.85% | 17.22% | +630 bps | |
| Net Interest Margin | 4.46% | 3.92% | 3.96% | 3.77% | 4.09% | 4.32% | 4.01% | 4.23% | +46 bps | |
| Efficiency Ratio | 73.07% | 61.42% | 64.36% | 59.28% | 59.45% | 57.31% | 65.24% | 52.05% | -724 bps | |
| Non-Interest Burden | 3.23% | 2.34% | 2.50% | 2.17% | 2.38% | 2.42% | 2.58% | 1.72% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.21% | 11.90% | 27.17% | 17.20% | 3.64% | 7.64% | -2.52% | -5.62% | -2,282 bps | |
| Loan Growth (YoY) | 22.94% | 13.92% | 14.97% | 10.51% | 3.27% | 6.04% | -0.75% | -3.27% | -1,378 bps | |
| Deposit Growth (YoY) | 24.09% | 11.26% | 28.26% | 17.52% | 2.17% | 6.97% | -4.12% | -7.43% | -2,494 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | -0.01% | 0.00% | 0.00% | -0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 1.04% | 1.06% | 1.05% | 1.05% | 1.05% | 1.05% | 1.10% | 1.09% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.61% | 10.45% | 10.53% | 9.88% | 10.58% | 11.15% | 11.16% | 11.78% | +190 bps | |
| Total Risk-Based Capital | 10.61% | 10.45% | 10.53% | 9.88% | 10.58% | 11.15% | 11.16% | 11.78% | +190 bps | |
| Equity / Assets | 9.93% | 10.29% | 9.40% | 9.92% | 10.81% | 10.92% | 10.86% | 11.97% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.35% | 91.31% | 81.29% | 84.76% | 90.32% | 90.52% | 84.14% | 88.57% | +381 bps | |
| Liquid Assets / Assets | 1.95% | 1.86% | 0.94% | 2.65% | 5.28% | 5.80% | 6.29% | 7.14% | +449 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 174.37% | 213% | 166.16% | n/a | n/a | |