Wilburton, OK · Cert 22839 · First Latimer Corp.
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.98% | 1.70% | 2.02% | 2.16% | 2.33% | 1.63% | 1.94% | 2.04% | -13 bps | |
| Return on Equity | 8.67% | 7.28% | 8.59% | 9.12% | 9.64% | 6.60% | 7.77% | 8.22% | -90 bps | |
| Net Interest Margin | 3.65% | 3.79% | 3.74% | 3.95% | 4.11% | 3.91% | 3.74% | 3.70% | -25 bps | |
| Efficiency Ratio | 34.34% | 45.25% | 34.40% | 32.65% | 31.42% | 48.24% | 36.62% | 32.22% | -43 bps | |
| Non-Interest Burden | 1.15% | 1.61% | 1.18% | 1.18% | 1.17% | 1.83% | 1.26% | 1.09% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.95% | 0.41% | -0.81% | -1.14% | 0.86% | -2.70% | -2.09% | -0.98% | +17 bps | |
| Loan Growth (YoY) | 4.07% | 10.13% | 7.24% | 9.65% | 4.94% | 0.05% | 1.07% | -1.72% | -1,137 bps | |
| Deposit Growth (YoY) | -7.62% | -1.70% | -3.14% | -3.34% | -0.47% | -4.86% | -3.64% | -2.11% | +122 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.87% | 1.00% | 1.25% | 0.36% | 1.10% | 0.58% | 1.30% | 0.83% | +47 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | -0.19% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.73% | 1.60% | 1.70% | 1.65% | 1.68% | 1.64% | 1.68% | 1.67% | +2 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.6x | 1.4x | 4.6x | 1.5x | 2.8x | 1.3x | 2.0x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 23.25% | 24.13% | 23.71% | 23.83% | 24.08% | 25.17% | 25.19% | 25.01% | +117 bps | |
| Total Risk-Based Capital | 70.11% | 69.10% | 70.25% | 70.58% | 72.25% | 73.34% | 73.55% | 73.19% | +261 bps | |
| Equity / Assets | 23.45% | 23.35% | 23.54% | 23.93% | 24.42% | 25.04% | 24.79% | 24.81% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 24.60% | 25.48% | 24.64% | 26.01% | 25.94% | 26.79% | 25.85% | 26.11% | +10 bps | |
| Liquid Assets / Assets | 19.50% | 17.13% | 16.72% | 17.41% | 17.53% | 17.61% | 18.17% | 17.21% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 9.43% | 10.90% | 10.94% | n/a | n/a | |