Ryan, OK · Cert 2331
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
30
Profitability
10
Liquidity
10
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ryan, OK · Cert 2331
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #65 of 71 inst. · $0.0B 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 | 0.91% | 1.14% | 0.70% | -0.69% | -0.45% | -0.91% | -0.57% | -1.32% | -63 bps | |
| Return on Equity | 5.17% | 6.35% | 3.77% | -3.83% | -2.35% | -4.75% | -2.96% | -7.36% | -353 bps | |
| Net Interest Margin | 5.60% | 5.50% | 4.17% | 3.74% | 1.16% | 1.74% | 3.83% | 3.57% | -17 bps | |
| Efficiency Ratio | 77.16% | 76.39% | 84.60% | 119.98% | 102.76% | 142.44% | 122.62% | 142.21% | +2,224 bps | |
| Non-Interest Burden | 4.06% | 3.61% | 3.35% | 4.44% | 1.16% | 2.46% | 4.51% | 4.73% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.32% | -4.20% | 0.84% | 1.21% | 7.21% | 11.25% | 11.35% | 40.35% | +3,914 bps | |
| Loan Growth (YoY) | -1.42% | 1.18% | 8.43% | -1.58% | 20.59% | 13.00% | 22.52% | 70.97% | +7,255 bps | |
| Deposit Growth (YoY) | -9.41% | -5.55% | 5.93% | 4.19% | 3.61% | 14.30% | 7.83% | 45.65% | +4,146 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.76% | 4.89% | 5.36% | 5.63% | 4.48% | 9.58% | 10.82% | 10.85% | +522 bps | |
| Net Charge-Offs / Loans | 0.48% | 0.33% | 0.75% | 0.39% | 0.00% | 0.00% | 0.05% | 0.00% | -39 bps | |
| Allowance / Loans | 1.21% | 1.29% | 1.20% | 1.24% | 1.65% | 1.63% | 1.60% | 3.23% | +199 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.3x | 0.2x | 0.2x | 0.4x | 0.2x | 0.1x | 0.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.95% | 18.29% | 17.66% | 15.81% | 19.41% | 18.18% | 17.16% | 14.36% | -145 bps | |
| Total Risk-Based Capital | 26.29% | 25.93% | 25.51% | 24.17% | 25.08% | 23.29% | 19.63% | 15.27% | -890 bps | |
| Equity / Assets | 18.70% | 19.29% | 18.17% | 16.81% | 21.52% | 20.25% | 18.66% | 15.48% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.27% | 91.58% | 77.88% | 76.33% | 96.91% | 90.54% | 88.49% | 89.60% | +1,327 bps | |
| Liquid Assets / Assets | 10.83% | 10.87% | 10.12% | 10.43% | 10.16% | 3.43% | 7.19% | 11.84% | +141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 248% | 261% | 266% | n/a | n/a | |
Ryan, OK · Cert 2331 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
-1.13%
Rank 87 of 89
Net Interest Margin
3.57%
Rank 65 of 89
Efficiency Ratio
142.21%
Rank 88 of 89
Equity / Assets
15.48%
Rank 10 of 89
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.13% | 0.85% | 1.26% | 1.60% | Beats 2% | 87 / 89 | ||
| Return on Equity | -7.31% | 7.40% | 11.89% | 14.65% | Beats 2% | 87 / 89 | ||
| Net Interest Margin | 3.57% | 3.46% | 3.93% | 4.45% | Beats 27% | 65 / 89 | ||
| Efficiency Ratio | 142.21% | 54.70% | 60.95% | 71.14% | Beats 2% | 88 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 10.85% | 0.30% | 0.82% | 2.25% | Beats 1% | 88 / 88 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 59% | 37 / 88 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.00% | 10.89% | 13.00% | 16.33% | Beats 64% | 32 / 89 | ||
| Total Risk-Based Capital Ratio | 15.27% | 11.20% | 13.06% | 16.33% | Beats 66% | 30 / 89 | ||
| Equity / Assets | 15.48% | 9.26% | 10.94% | 13.52% | Beats 89% | 10 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.60% | 61.51% | 72.27% | 84.01% | 85th pctl | 13 / 88 | ||
| Loans / Assets | 71.22% | 52.51% | 63.15% | 71.27% | 73rd pctl | 24 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||