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 | |