Sallisaw, OK · Cert 19288 · Firstar Financial Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
50
Profitability
79
Liquidity
29
Efficiency
52
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sallisaw, OK · Cert 19288 · Firstar Financial Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Fort Smith, AR-OK · 2026 SOD (annual) · 5.2% share · #7 of 20 inst. · $0.3B of $6.0B
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 | 1.33% | 1.36% | 1.66% | 1.54% | 1.67% | 2.29% | 1.63% | 1.58% | +5 bps | |
| Return on Equity | 13.04% | 12.84% | 14.38% | 13.40% | 14.45% | 19.87% | 14.74% | 14.35% | +94 bps | |
| Net Interest Margin | 4.25% | 4.37% | 4.71% | 4.80% | 4.92% | 4.91% | 4.64% | 4.48% | -31 bps | |
| Efficiency Ratio | 64.13% | 65.10% | 59.57% | 60.50% | 59.29% | 44.65% | 55.34% | 57.72% | -278 bps | |
| Non-Interest Burden | 2.35% | 2.46% | 2.49% | 2.60% | 2.62% | 1.81% | 2.24% | 2.28% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.88% | 3.38% | 13.89% | -4.95% | 2.99% | 10.80% | 10.80% | 11.77% | +1,673 bps | |
| Loan Growth (YoY) | 8.04% | 8.48% | 4.44% | 0.64% | 3.94% | 7.24% | 4.47% | -0.55% | -118 bps | |
| Deposit Growth (YoY) | 12.52% | -0.10% | 11.66% | -6.37% | 2.92% | 10.67% | 11.18% | 12.09% | +1,845 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.13% | 0.40% | 0.50% | 0.49% | 0.48% | 0.58% | 0.68% | +17 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.13% | 0.02% | 0.00% | 0.05% | 0.06% | 0.05% | 0.04% | +4 bps | |
| Allowance / Loans | 0.95% | 0.92% | 0.89% | 0.92% | 0.91% | 0.89% | 0.95% | 0.99% | +7 bps | |
| Allowance Coverage of NPLs | 7.3x | 7.1x | 2.2x | 1.8x | 1.9x | 1.8x | 1.6x | 1.5x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.89% | 8.98% | 9.18% | 9.22% | 9.50% | 9.23% | 9.21% | 9.03% | -18 bps | |
| Total Risk-Based Capital | 12.20% | 12.25% | 12.49% | 12.61% | 12.72% | 12.35% | 13.12% | 13.70% | +109 bps | |
| Equity / Assets | 11.59% | 12.11% | 11.02% | 11.37% | 11.78% | 11.51% | 10.70% | 10.95% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.42% | 95.76% | 84.39% | 87.50% | 90.31% | 92.80% | 79.29% | 77.64% | -986 bps | |
| Liquid Assets / Assets | 4.67% | 0.14% | 10.07% | 7.35% | 5.09% | 4.53% | 15.99% | 17.53% | +1,018 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 428% | 447% | 426% | n/a | n/a | |
Sallisaw, OK · Cert 19288 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Firstar Financial Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets
1.53%
Rank 45 of 176
Net Interest Margin
4.48%
Rank 13 of 176
Efficiency Ratio
58.90%
Rank 85 of 176
Equity / Assets
10.95%
Rank 71 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.53% | 0.93% | 1.26% | 1.54% | Beats 74% | 45 / 176 | ||
| Return on Equity | 14.01% | 9.26% | 11.89% | 14.46% | Beats 69% | 55 / 176 | ||
| Net Interest Margin | 4.48% | 3.25% | 3.59% | 3.93% | Beats 93% | 13 / 176 | ||
| Efficiency Ratio | 58.90% | 52.79% | 59.55% | 67.66% | Beats 52% | 85 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.30% | 0.64% | 1.32% | Beats 48% | 93 / 176 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 51% | 87 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.64% | 11.15% | 12.72% | 14.15% | Beats 48% | 92 / 176 | ||
| Total Risk-Based Capital Ratio | 13.70% | 11.81% | 13.63% | 15.33% | Beats 52% | 85 / 176 | ||
| Equity / Assets | 10.95% | 9.16% | 10.35% | 11.80% | Beats 60% | 71 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.64% | 80.94% | 89.73% | 97.21% | 15th pctl | 149 / 176 | ||
| Loans / Assets | 68.37% | 69.25% | 75.12% | 80.82% | 21st pctl | 139 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||