Tulsa, OK · Cert 18856 · Sooner SW Bankshares Inc.
State charter, Fed member · FED · 3 affiliate banks · 3 branches (10 in holding)
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.4% share · #34 of 59 inst. · $0.2B 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 | 1.06% | 1.13% | 1.35% | 1.20% | 1.19% | 1.25% | 1.31% | 1.29% | +9 bps | |
| Return on Equity | 6.60% | 7.03% | 8.63% | 7.78% | 7.79% | 8.42% | 9.79% | 9.86% | +209 bps | |
| Net Interest Margin | 4.33% | 4.29% | 4.67% | 4.51% | 4.45% | 4.39% | 4.56% | 4.52% | +1 bps | |
| Efficiency Ratio | 60.26% | 59.98% | 56.96% | 57.31% | 56.59% | 54.98% | 53.00% | 53.04% | -427 bps | |
| Non-Interest Burden | 2.49% | 2.46% | 2.37% | 2.39% | 2.36% | 2.27% | 2.32% | 2.31% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.17% | 2.52% | 1.76% | 10.75% | 13.61% | 22.15% | 16.01% | 21.06% | +1,031 bps | |
| Loan Growth (YoY) | -8.97% | -1.15% | 1.82% | 17.59% | 27.08% | 37.86% | 32.16% | 30.91% | +1,333 bps | |
| Deposit Growth (YoY) | 8.13% | 4.69% | 1.50% | 13.18% | 21.87% | 24.82% | 19.42% | 21.69% | +852 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 1.28% | 0.31% | 0.31% | 0.35% | 0.33% | 0.32% | 0.30% | -1 bps | |
| Net Charge-Offs / Loans | 3.28% | 2.43% | 0.00% | 0.01% | 0.00% | 0.00% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 0.92% | 0.94% | 0.96% | 0.99% | 1.00% | 1.01% | 1.06% | 1.06% | +7 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.7x | 3.1x | 3.2x | 2.8x | 3.1x | 3.3x | 3.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.70% | 11.76% | 12.58% | 12.02% | 11.92% | 10.57% | 10.31% | 10.39% | -163 bps | |
| Total Risk-Based Capital | 12.70% | 11.76% | 12.58% | 12.02% | 11.92% | 10.57% | 10.31% | 10.39% | -163 bps | |
| Equity / Assets | 16.47% | 16.16% | 15.21% | 14.96% | 14.72% | 13.40% | 13.29% | 12.62% | -235 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.74% | 92.05% | 90.59% | 94.35% | 92.53% | 101.67% | 100.25% | 101.50% | +715 bps | |
| Liquid Assets / Assets | 14.11% | 12.25% | 14.13% | 12.97% | 8.59% | 6.05% | 6.36% | 6.70% | -627 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 477% | 598% | 577% | n/a | n/a | |