Oklahoma City, OK · Cert 20093
State charter, non-member · FDIC · 7 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 under $1B in assets in the Oklahoma City, OK area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
16
Profitability
35
Liquidity
92
Efficiency
44
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.
Oklahoma City, OK · Cert 20093
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.5% share · #35 of 71 inst. · $0.3B 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 | 0.57% | 0.60% | 0.49% | 0.46% | 0.58% | 0.62% | 0.76% | 0.74% | +28 bps | |
| Return on Equity | 5.70% | 5.94% | 4.75% | 4.53% | 5.63% | 5.99% | 7.25% | 7.07% | +254 bps | |
| Net Interest Margin | 3.55% | 3.62% | 3.93% | 3.57% | 3.66% | 3.73% | 3.89% | 3.75% | +18 bps | |
| Efficiency Ratio | 65.16% | 64.95% | 63.90% | 67.33% | 66.88% | 66.48% | 65.57% | 66.19% | -114 bps | |
| Non-Interest Burden | 2.25% | 2.28% | 2.48% | 2.37% | 2.39% | 2.43% | 2.44% | 2.38% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.99% | -3.03% | -2.98% | -1.07% | 0.83% | -0.29% | 0.36% | 1.01% | +208 bps | |
| Loan Growth (YoY) | -6.81% | -5.41% | -6.70% | -3.84% | -4.58% | -4.97% | -5.80% | -6.88% | -304 bps | |
| Deposit Growth (YoY) | -2.90% | -3.83% | -3.45% | -1.32% | 0.77% | -0.53% | 0.34% | 0.95% | +227 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.43% | 3.60% | 3.66% | 4.52% | 5.56% | 5.33% | 4.99% | 5.50% | +98 bps | |
| Net Charge-Offs / Loans | 0.55% | 0.58% | 1.23% | 0.81% | 0.69% | 0.95% | 0.47% | 0.42% | -39 bps | |
| Allowance / Loans | 1.33% | 1.27% | 1.25% | 1.32% | 1.38% | 1.03% | 1.19% | 1.24% | -7 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.3x | 0.3x | 0.2x | 0.2x | 0.2x | 0.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.30% | 10.52% | 10.26% | 10.21% | 10.47% | 10.62% | 10.50% | 10.47% | +26 bps | |
| Total Risk-Based Capital | 13.69% | 13.69% | 13.97% | 14.19% | 14.50% | 14.53% | 14.45% | 15.35% | +115 bps | |
| Equity / Assets | 10.40% | 10.35% | 10.09% | 10.24% | 10.54% | 10.71% | 10.25% | 10.41% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.05% | 92.55% | 87.88% | 87.27% | 85.27% | 88.42% | 82.51% | 80.50% | -676 bps | |
| Liquid Assets / Assets | 7.12% | 4.14% | 4.03% | 4.03% | 5.12% | 4.89% | 6.33% | 6.22% | +219 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 348% | 353% | 334% | n/a | n/a | |
Oklahoma City, OK · Cert 20093 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25)
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
0.73%
Rank 16 of 25
Net Interest Margin
3.75%
Rank 16 of 25
Efficiency Ratio
66.19%
Rank 15 of 25
Equity / Assets
10.41%
Rank 12 of 25
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.60% | 0.90% | 1.27% | Beats 36% | 16 / 25 | ||
| Return on Equity | 7.04% | 6.92% | 9.16% | 13.29% | Beats 32% | 17 / 25 | ||
| Net Interest Margin | 3.75% | 3.56% | 3.82% | 4.10% | Beats 36% | 16 / 25 | ||
| Efficiency Ratio | 66.19% | 56.35% | 63.12% | 79.22% | Beats 44% | 15 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.50% | 0.33% | 0.76% | 2.35% | Beats 16% | 22 / 25 | ||
| Net Charge-Offs / Loans | 0.24% | n/a | 0.00% | 0.05% | Beats 16% | 22 / 25 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.11% | 10.27% | 12.02% | 13.99% | Beats 80% | 5 / 25 | ||
| Total Risk-Based Capital Ratio | 15.35% | 10.27% | 12.44% | 15.25% | Beats 80% | 5 / 25 | ||
| Equity / Assets | 10.41% | 8.64% | 10.07% | 11.05% | Beats 52% | 12 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.50% | 70.71% | 82.03% | 97.03% | 40th pctl | 15 / 25 | ||
| Loans / Assets | 71.92% | 62.67% | 74.54% | 84.24% | 44th pctl | 14 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||