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 (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 | 1.96% | 1.41% | 1.66% | 1.39% | 1.91% | 4.14% | 1.63% | 1.50% | +11 bps | |
| Return on Equity | 18.06% | 11.91% | 14.38% | 12.41% | 16.50% | 35.55% | 14.74% | 13.88% | +147 bps | |
| Net Interest Margin | 4.63% | 4.73% | 4.71% | 4.96% | 5.10% | 5.07% | 4.64% | 4.48% | -48 bps | |
| Efficiency Ratio | 56.10% | 67.64% | 59.57% | 61.38% | 56.96% | 2.42% | 55.34% | 60.10% | -128 bps | |
| Non-Interest Burden | 2.17% | 2.78% | 2.49% | 2.75% | 2.60% | -0.48% | 2.24% | 2.40% | -35 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 | 0.28% | 0.12% | 0.02% | -0.02% | 0.13% | 0.10% | 0.05% | 0.04% | +5 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 | |