Muskogee, OK · Cert 2315 · Ironhorse Financial Group Inc.
State charter, Fed member · FED · 29 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 1.1% share · #15 of 71 inst. · $0.6B 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 | 0.75% | 0.78% | 0.96% | 1.13% | 1.37% | 1.25% | 1.28% | 1.37% | +24 bps | |
| Return on Equity | 10.71% | 11.15% | 13.71% | 16.34% | 19.28% | 17.24% | 16.25% | 17.13% | +79 bps | |
| Net Interest Margin | 2.45% | 2.54% | 2.92% | 3.12% | 3.23% | 3.27% | 3.60% | 3.59% | +47 bps | |
| Efficiency Ratio | 74.73% | 74.48% | 69.10% | 65.79% | 60.97% | 62.44% | 61.33% | 59.07% | -672 bps | |
| Non-Interest Burden | 1.61% | 1.67% | 1.75% | 1.76% | 1.55% | 1.65% | 1.90% | 1.80% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.74% | -1.77% | -0.08% | 1.01% | 4.14% | 7.20% | 9.67% | 15.06% | +1,405 bps | |
| Loan Growth (YoY) | 4.29% | 5.48% | 8.38% | 11.68% | 15.93% | 21.03% | 22.33% | 19.71% | +803 bps | |
| Deposit Growth (YoY) | -3.00% | -2.33% | -0.33% | 1.26% | 4.12% | 5.34% | 7.39% | 13.02% | +1,175 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.50% | 0.20% | 0.32% | 0.27% | 0.34% | 0.27% | 0.25% | -7 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.11% | 0.08% | 0.06% | 0.05% | 0.06% | 0.11% | 0.15% | +9 bps | |
| Allowance / Loans | 1.09% | 1.05% | 1.05% | 1.03% | 1.01% | 1.09% | 1.08% | 1.06% | +4 bps | |
| Allowance Coverage of NPLs | 3.2x | 2.1x | 5.3x | 3.2x | 3.8x | 3.2x | 3.9x | 4.2x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.65% | 9.75% | 9.82% | 10.10% | 10.48% | 10.44% | 10.34% | 10.42% | +32 bps | |
| Total Risk-Based Capital | 15.70% | 15.36% | 15.34% | 15.14% | 15.23% | 14.83% | 14.77% | 14.97% | -17 bps | |
| Equity / Assets | 7.68% | 7.12% | 6.89% | 6.70% | 7.72% | 7.70% | 8.01% | 8.19% | +149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.32% | 69.83% | 72.05% | 75.70% | 78.30% | 80.22% | 82.07% | 80.18% | +448 bps | |
| Liquid Assets / Assets | 1.19% | 1.77% | 2.72% | 0.51% | 0.40% | 0.71% | 0.25% | 2.11% | +160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 297% | 301% | n/a | n/a | |