Edmond, OK · Cert 20156 · Kirkpatrick Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 1.2% share · #14 of 71 inst. · $0.7B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.69% | 0.77% | 0.65% | 1.30% | +62 bps | |
| Return on Equity | 9.15% | 9.09% | 9.90% | 7.79% | 15.08% | +592 bps | |
| Net Interest Margin | 3.02% | 3.09% | 3.09% | 3.08% | 3.16% | +15 bps | |
| Efficiency Ratio | 73.91% | 73.52% | 71.02% | 76.06% | 61.26% | -1,265 bps | |
| Non-Interest Burden | 2.18% | 2.22% | 2.14% | 2.31% | 1.59% | -59 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.09% | 0.00% | 4.52% | 5.41% | 2.18% | +208 bps | |
| Loan Growth (YoY) | 3.08% | -1.52% | 6.01% | 2.49% | -1.21% | -429 bps | |
| Deposit Growth (YoY) | -2.84% | 10.20% | 11.54% | 5.04% | 4.90% | +774 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.29% | 2.27% | 2.11% | 2.17% | 2.32% | +3 bps | |
| Allowance Coverage of NPLs | 240.9x | 240.9x | n/a | n/a | 8191.0x | +7950.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.64% | 10.90% | 10.87% | 10.09% | 10.67% | +2 bps | |
| Total Risk-Based Capital | 15.77% | 15.78% | 14.96% | 15.53% | 16.54% | +77 bps | |
| Equity / Assets | 7.97% | 8.16% | 8.48% | 8.34% | 9.07% | +110 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.28% | 78.63% | 83.34% | 79.15% | 79.37% | -491 bps | |
| Liquid Assets / Assets | 3.16% | 6.73% | 3.49% | 8.13% | 8.04% | +487 bps | |
| CRE / Total Capital | n/a | 509% | 542% | 519% | n/a | n/a | |