Watonga, OK · Cert 21752 · First St Bcorp of Watonga Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 1.54% | 1.49% | 1.69% | 1.58% | +35 bps | |
| Return on Equity | 11.70% | 14.09% | 12.90% | 14.88% | 14.25% | +255 bps | |
| Net Interest Margin | 4.74% | 4.73% | 4.75% | 4.60% | 4.50% | -24 bps | |
| Efficiency Ratio | 65.61% | 58.24% | 61.87% | 56.48% | 56.62% | -899 bps | |
| Non-Interest Burden | 3.04% | 2.65% | 2.87% | 2.43% | 2.40% | -64 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.25% | 6.16% | 5.78% | 7.81% | 6.41% | +416 bps | |
| Loan Growth (YoY) | 7.52% | 5.74% | 19.42% | 21.92% | 12.47% | +495 bps | |
| Deposit Growth (YoY) | 9.63% | 5.63% | 4.20% | 7.44% | 6.02% | -361 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.17% | 0.98% | 0.06% | 0.05% | 1.28% | +11 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | -0.02% | 0.02% | -3 bps | |
| Allowance / Loans | 2.92% | 2.97% | 2.53% | 2.52% | 2.70% | -22 bps | |
| Allowance Coverage of NPLs | 2.5x | 3.0x | 45.5x | 51.1x | 2.1x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.25% | 13.43% | 13.61% | 13.49% | 13.18% | -7 bps | |
| Total Risk-Based Capital | 13.25% | 13.43% | 13.61% | 13.49% | 13.18% | -7 bps | |
| Equity / Assets | 10.55% | 11.28% | 11.76% | 10.96% | 11.24% | +69 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.37% | 61.14% | 71.50% | 66.43% | 62.98% | +361 bps | |
| Liquid Assets / Assets | 14.85% | 10.16% | 10.24% | 16.52% | 16.61% | +176 bps | |
| CRE / Total Capital | n/a | 158.88% | 166.52% | 160.43% | n/a | n/a | |