Broken Arrow, OK · Cert 2326 · Arkansas Valley Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 1.4% share · #17 of 59 inst. · $0.5B of $39.3B
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 | 0.71% | 0.71% | 0.82% | 1.02% | 1.08% | 1.59% | 0.84% | 1.02% | 0 bps | |
| Return on Equity | 8.73% | 8.43% | 9.79% | 12.15% | 12.37% | 17.48% | 9.55% | 12.35% | +20 bps | |
| Net Interest Margin | 3.61% | 3.77% | 3.79% | 4.12% | 4.10% | 4.13% | 3.87% | 4.09% | -3 bps | |
| Efficiency Ratio | 76.63% | 78.59% | 73.69% | 69.83% | 68.66% | 74.00% | 74.51% | 69.61% | -23 bps | |
| Non-Interest Burden | 2.67% | 2.88% | 2.71% | 2.76% | 2.70% | 2.97% | 2.81% | 2.74% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.23% | 1.96% | -1.51% | 2.61% | 0.52% | 7.50% | 11.00% | 15.27% | +1,266 bps | |
| Loan Growth (YoY) | 21.47% | 6.53% | -0.85% | 7.22% | 0.94% | 4.44% | 5.95% | 4.25% | -297 bps | |
| Deposit Growth (YoY) | 11.23% | 4.50% | 1.94% | 1.40% | -0.36% | 8.00% | 11.49% | 16.96% | +1,555 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.48% | 0.45% | 0.45% | 0.44% | 0.48% | 0.41% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.07% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.69% | 1.74% | 1.71% | 1.63% | 1.66% | 1.66% | 1.62% | 1.56% | -7 bps | |
| Allowance Coverage of NPLs | n/a | 31.2x | 3.6x | 3.6x | 3.7x | 3.8x | 3.4x | 3.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.69% | 9.52% | 9.59% | 9.72% | 9.77% | 10.10% | 9.29% | 9.46% | -26 bps | |
| Total Risk-Based Capital | 13.42% | 13.47% | 13.08% | 12.94% | 13.30% | 13.89% | 13.10% | 13.05% | +11 bps | |
| Equity / Assets | 8.30% | 8.45% | 8.39% | 8.44% | 9.03% | 9.12% | 8.45% | 8.13% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.27% | 92.25% | 91.01% | 93.87% | 92.47% | 89.21% | 86.49% | 83.67% | -1,020 bps | |
| Liquid Assets / Assets | 1.14% | 2.64% | 3.09% | 1.01% | 2.65% | 6.40% | 7.74% | 11.12% | +1,011 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 437% | 422% | 441% | n/a | n/a | |