Burns Flat, OK · Cert 22430
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.30% | 1.23% | 0.77% | 0.73% | 0.60% | 0.02% | -0.02% | 0.15% | -57 bps | |
| Return on Equity | 9.53% | 8.79% | 5.02% | 4.90% | 4.08% | 0.17% | -0.12% | 1.05% | -385 bps | |
| Net Interest Margin | 4.06% | 4.50% | 4.53% | 4.27% | 4.20% | 4.31% | 4.10% | 4.12% | -15 bps | |
| Efficiency Ratio | 57.46% | 60.60% | 76.10% | 77.35% | 79.89% | 96.22% | 97.20% | 92.18% | +1,483 bps | |
| Non-Interest Burden | 2.25% | 2.65% | 3.40% | 3.26% | 3.34% | 4.14% | 3.97% | 3.78% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.59% | -6.93% | -16.39% | -10.96% | 5.45% | 4.33% | 1.85% | -6.47% | +450 bps | |
| Loan Growth (YoY) | 7.73% | 10.78% | 10.97% | 19.92% | 12.06% | 6.32% | -6.36% | -2.53% | -2,244 bps | |
| Deposit Growth (YoY) | 5.03% | -8.48% | -18.56% | -16.94% | 1.03% | -0.21% | -2.99% | -7.36% | +958 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.03% | 1.53% | 4.46% | 4.99% | 3.96% | 0.89% | 0.92% | 3.34% | -166 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.11% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.41% | 1.37% | 1.34% | 1.35% | 1.46% | 1.44% | 1.60% | 1.53% | +18 bps | |
| Allowance Coverage of NPLs | 1.4x | 0.9x | 0.3x | 0.3x | 0.4x | 1.6x | 1.7x | 0.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.02% | 15.37% | 15.38% | 14.19% | 14.16% | 14.19% | 14.60% | 14.60% | +41 bps | |
| Total Risk-Based Capital | 14.02% | 15.37% | 15.38% | 14.19% | 14.16% | 14.19% | 14.60% | 14.60% | +41 bps | |
| Equity / Assets | 15.22% | 15.72% | 15.06% | 13.94% | 14.45% | 14.83% | 14.65% | 14.63% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.03% | 80.49% | 82.36% | 80.49% | 78.79% | 85.75% | 79.50% | 84.69% | +420 bps | |
| Liquid Assets / Assets | 19.47% | 13.25% | 11.45% | 13.51% | 15.54% | 8.70% | 15.47% | 12.03% | -147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 128.52% | 108.98% | 87.86% | n/a | n/a | |