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 | |