Oklahoma City, OK · Cert 21848 · Quail Creek Bancshares Inc.
State charter, non-member · FDIC · 1 branch
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 Oklahoma City, OK area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
44
Profitability
77
Liquidity
99
Efficiency
72
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.
Oklahoma City, OK · Cert 21848 · Quail Creek Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 1.2% share · #11 of 71 inst. · $0.8B 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 | 1.62% | 1.55% | 1.44% | 1.45% | 1.46% | 1.43% | 1.40% | 1.40% | -5 bps | |
| Return on Equity | 17.59% | 16.78% | 15.35% | 15.90% | 16.08% | 15.82% | 15.37% | 15.65% | -25 bps | |
| Net Interest Margin | 4.23% | 4.18% | 4.13% | 4.16% | 4.15% | 4.08% | 4.04% | 4.10% | -6 bps | |
| Efficiency Ratio | 52.41% | 53.31% | 58.12% | 58.49% | 57.54% | 57.74% | 55.60% | 56.80% | -169 bps | |
| Non-Interest Burden | 2.07% | 2.10% | 2.32% | 2.33% | 2.28% | 2.25% | 2.13% | 2.23% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.15% | -0.28% | 0.14% | -1.19% | 2.14% | 5.23% | 5.79% | 5.44% | +663 bps | |
| Loan Growth (YoY) | 5.89% | 2.83% | -0.86% | -0.51% | 1.45% | 2.32% | 3.38% | 2.28% | +279 bps | |
| Deposit Growth (YoY) | 1.80% | -0.19% | 0.31% | -0.96% | 2.42% | 5.58% | 6.07% | 5.48% | +644 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.36% | 0.27% | 0.56% | 1.15% | 1.21% | 1.11% | 0.65% | +8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.11% | 0.05% | 0.04% | 0.18% | 0.01% | 0.08% | +2 bps | |
| Allowance / Loans | 1.15% | 1.26% | 1.25% | 1.23% | 1.25% | 1.15% | 1.20% | 1.16% | -7 bps | |
| Allowance Coverage of NPLs | 4.2x | 3.6x | 4.6x | 2.2x | 1.1x | 1.0x | 1.1x | 1.8x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.31% | 9.57% | 9.76% | 9.32% | 9.23% | 9.42% | 9.35% | 9.07% | -24 bps | |
| Total Risk-Based Capital | 14.56% | 15.25% | 15.48% | 14.68% | 14.38% | 15.10% | 15.00% | 9.07% | -561 bps | |
| Equity / Assets | 9.13% | 9.43% | 9.28% | 8.65% | 8.87% | 9.10% | 9.09% | 8.68% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.99% | 85.74% | 84.53% | 84.46% | 85.17% | 83.09% | 82.38% | 81.90% | -256 bps | |
| Liquid Assets / Assets | 5.76% | 5.15% | 6.28% | 5.24% | 4.98% | 8.00% | 7.79% | 6.99% | +175 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 426% | 408% | 417% | n/a | n/a | |
Oklahoma City, OK · Cert 21848 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Quail Creek Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.39%
Rank 6 of 25
Net Interest Margin
4.10%
Rank 7 of 25
Efficiency Ratio
56.80%
Rank 8 of 25
Equity / Assets
8.68%
Rank 18 of 25
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | 0.60% | 0.90% | 1.27% | Beats 76% | 6 / 25 | ||
| Return on Equity | 16.06% | 6.92% | 9.16% | 13.29% | Beats 84% | 4 / 25 | ||
| Net Interest Margin | 4.10% | 3.56% | 3.82% | 4.10% | Beats 72% | 7 / 25 | ||
| Efficiency Ratio | 56.80% | 56.35% | 63.12% | 79.22% | Beats 72% | 8 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.33% | 0.76% | 2.35% | Beats 56% | 12 / 25 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.05% | Beats 32% | 18 / 25 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.07% | 10.27% | 12.02% | 13.99% | Beats 0% | 25 / 25 | ||
| Total Risk-Based Capital Ratio | 9.07% | 10.27% | 12.44% | 15.25% | Beats 0% | 25 / 25 | ||
| Equity / Assets | 8.68% | 8.64% | 10.07% | 11.05% | Beats 28% | 18 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.90% | 70.71% | 82.03% | 97.03% | 44th pctl | 14 / 25 | ||
| Loans / Assets | 74.54% | 62.67% | 74.54% | 84.24% | 48th pctl | 13 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||