Oklahoma City, OK · Cert 21978
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.8% share · #23 of 71 inst. · $0.5B 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 | 1.14% | 1.18% | 1.32% | 1.34% | 1.42% | 1.44% | 1.27% | 1.27% | -7 bps | |
| Return on Equity | 9.93% | 10.19% | 11.20% | 11.58% | 12.27% | 12.47% | 11.13% | 11.24% | -34 bps | |
| Net Interest Margin | 3.04% | 3.07% | 3.27% | 3.21% | 3.34% | 3.34% | 3.23% | 3.21% | 0 bps | |
| Efficiency Ratio | 51.75% | 50.79% | 48.76% | 48.14% | 46.53% | 46.28% | 48.51% | 48.87% | +73 bps | |
| Non-Interest Burden | 1.54% | 1.53% | 1.57% | 1.52% | 1.52% | 1.51% | 1.54% | 1.54% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.65% | 0.98% | 2.33% | 10.10% | 8.34% | 9.86% | 6.96% | 4.20% | -590 bps | |
| Loan Growth (YoY) | 10.55% | 2.46% | 5.97% | 8.46% | 7.48% | 7.95% | 6.90% | 3.91% | -455 bps | |
| Deposit Growth (YoY) | 8.73% | 0.23% | -3.18% | 6.36% | -0.68% | 2.38% | 5.56% | -4.21% | -1,057 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.00% | 0.12% | 0.22% | 0.39% | 0.19% | 1.12% | 4.81% | +459 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.04% | -0.01% | -0.01% | -0.02% | -0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.36% | 1.35% | 1.31% | 1.29% | 1.33% | 1.32% | 1.29% | 1.33% | +4 bps | |
| Allowance Coverage of NPLs | 11.5x | n/a | 10.9x | 5.8x | 3.4x | 6.9x | 1.2x | 0.3x | -5.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.54% | 12.51% | 12.34% | 11.77% | 11.99% | 11.96% | 11.69% | 11.54% | -22 bps | |
| Total Risk-Based Capital | 14.79% | 12.51% | 12.34% | 11.77% | 11.99% | 11.96% | 11.69% | 11.54% | -22 bps | |
| Equity / Assets | 11.85% | 12.01% | 11.57% | 11.22% | 11.60% | 11.59% | 11.27% | 11.09% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.73% | 94.49% | 95.77% | 97.16% | 98.19% | 99.62% | 96.99% | 105.40% | +824 bps | |
| Liquid Assets / Assets | 7.05% | 6.32% | 6.55% | 5.98% | 6.17% | 6.74% | 5.89% | 6.22% | +24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 444% | 451% | 464% | n/a | n/a | |