Watonga, OK · Cert 2318
FDIC · 3 branches
Q3 2021
Market Position · Oklahoma City, OK · 2021 SOD (annual) · 0.1% share · #56 of 71 inst. · $0.1B of $50.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.87% | 1.05% | 1.94% | -2.22% | 0.97% | 0.83% | 0.34% | -160 bps | |
| Return on Equity | 10.36% | 10.71% | 12.22% | 20.00% | -21.82% | 9.75% | 8.73% | 3.67% | -1,632 bps | |
| Net Interest Margin | 3.13% | 3.11% | 3.14% | 3.73% | 3.12% | 3.67% | 3.23% | 2.90% | -83 bps | |
| Efficiency Ratio | 76.00% | 75.41% | 72.82% | 66.30% | 204% | 71.57% | 75.53% | 89.79% | +2,349 bps | |
| Non-Interest Burden | 2.23% | 2.21% | 2.18% | 2.31% | 6.89% | 2.51% | 2.33% | 2.55% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.23% | 1.25% | 3.50% | 2.32% | 0.32% | 3.87% | 5.95% | 17.30% | +1,497 bps | |
| Loan Growth (YoY) | 11.33% | 17.42% | 29.04% | 28.18% | 20.14% | 15.77% | 6.87% | 7.25% | -2,094 bps | |
| Deposit Growth (YoY) | 3.94% | 1.19% | 1.58% | 0.02% | -2.21% | 1.92% | 5.96% | 19.67% | +1,965 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.23% | 0.01% | 0.11% | 0.02% | 0.04% | 0.18% | 0.17% | +6 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.01% | 0.02% | -0.19% | 0.00% | 0.00% | -0.02% | -0.01% | +18 bps | |
| Allowance / Loans | 1.00% | 0.94% | 0.83% | 0.87% | 0.97% | 0.94% | 0.91% | 0.90% | +3 bps | |
| Allowance Coverage of NPLs | 43.3x | 4.1x | 69.4x | 8.1x | 42.1x | 25.7x | 5.2x | 5.4x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.39% | 8.46% | 8.34% | 9.00% | 8.60% | 8.76% | 8.37% | 8.13% | -87 bps | |
| Total Risk-Based Capital | 16.32% | 16.02% | 15.16% | 16.11% | 15.92% | 15.93% | 15.79% | 15.73% | -39 bps | |
| Equity / Assets | 8.14% | 8.01% | 9.23% | 10.22% | 10.14% | 9.67% | 9.43% | 8.98% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.44% | 48.18% | 53.21% | 57.70% | 55.82% | 54.72% | 53.67% | 51.71% | -599 bps | |
| Liquid Assets / Assets | 7.93% | 5.83% | 3.99% | 3.29% | 8.86% | 12.19% | 9.32% | 13.00% | +971 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |