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 | |