Tulsa, OK · Cert 20537
State charter, non-member · FDIC · 2 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 Tulsa, OK area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
78
Asset Quality
12
Profitability
24
Liquidity
59
Efficiency
61
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.
Tulsa, OK · Cert 20537
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.7% share · #26 of 59 inst. · $0.3B of $39.3B
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 | 1.46% | 1.64% | 2.01% | 1.92% | 0.87% | 1.06% | 1.60% | 1.42% | -50 bps | |
| Return on Equity | 11.02% | 12.15% | 13.69% | 13.09% | 6.01% | 7.25% | 10.49% | 9.23% | -386 bps | |
| Net Interest Margin | 3.75% | 3.88% | 4.15% | 4.27% | 4.02% | 3.83% | 3.73% | 3.72% | -55 bps | |
| Efficiency Ratio | 53.33% | 50.48% | 44.42% | 46.36% | 49.68% | 50.83% | 53.09% | 54.84% | +848 bps | |
| Non-Interest Burden | 1.83% | 1.77% | 1.60% | 1.76% | 1.93% | 1.85% | 1.68% | 1.78% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.55% | 4.58% | 1.86% | 11.26% | 4.28% | 5.79% | 4.27% | -1.67% | -1,293 bps | |
| Loan Growth (YoY) | 21.95% | 23.97% | 29.38% | 21.35% | 12.05% | 8.00% | 3.71% | -3.72% | -2,508 bps | |
| Deposit Growth (YoY) | 13.84% | 3.17% | -0.61% | 10.38% | 3.65% | 5.23% | 3.89% | -2.83% | -1,321 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 2.08% | 3.99% | 3.92% | 6.26% | +626 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.12% | 0.06% | 0.72% | 0.55% | 0.60% | 0.30% | +24 bps | |
| Allowance / Loans | 0.59% | 0.61% | 0.55% | 0.48% | 1.22% | 1.17% | 1.02% | 1.16% | +68 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.6x | 0.3x | 0.3x | 0.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.17% | 14.32% | 14.70% | 15.31% | 14.21% | 13.94% | 15.08% | 15.32% | +1 bps | |
| Total Risk-Based Capital | 14.17% | 14.32% | 14.70% | 15.31% | 14.21% | 13.94% | 15.08% | 15.32% | +1 bps | |
| Equity / Assets | 13.33% | 14.41% | 15.01% | 14.50% | 14.07% | 15.04% | 15.54% | 15.54% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.53% | 71.97% | 76.37% | 73.06% | 68.68% | 73.86% | 76.24% | 72.39% | -67 bps | |
| Liquid Assets / Assets | 8.96% | 3.13% | 0.57% | 5.66% | 10.51% | 4.00% | 1.03% | 5.22% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 150.84% | 149.05% | 146.12% | n/a | n/a | |
Tulsa, OK · Cert 20537 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.41%
Rank 10 of 18
Net Interest Margin
3.72%
Rank 15 of 18
Efficiency Ratio
54.84%
Rank 8 of 18
Equity / Assets
15.54%
Rank 2 of 18
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.41% | 0.94% | 1.44% | 1.74% | Beats 44% | 10 / 18 | ||
| Return on Equity | 9.07% | 9.63% | 12.74% | 15.04% | Beats 11% | 16 / 18 | ||
| Net Interest Margin | 3.72% | 3.75% | 4.31% | 4.83% | Beats 17% | 15 / 18 | ||
| Efficiency Ratio | 54.84% | 53.05% | 62.57% | 69.59% | Beats 61% | 8 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.26% | 0.01% | 0.41% | 0.86% | Beats 6% | 18 / 18 | ||
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.02% | 0.05% | Beats 17% | 16 / 18 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.32% | 11.17% | 13.04% | 15.32% | Beats 72% | 5 / 18 | ||
| Total Risk-Based Capital Ratio | 15.32% | 11.17% | 13.81% | 15.32% | Beats 72% | 5 / 18 | ||
| Equity / Assets | 15.54% | 9.28% | 11.57% | 13.43% | Beats 89% | 2 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.39% | 72.39% | 85.72% | 91.52% | 22nd pctl | 14 / 18 | ||
| Loans / Assets | 59.99% | 60.70% | 74.00% | 81.85% | 17th pctl | 15 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||