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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.69% | -0.45% | -0.91% | -0.57% | -1.32% | -63 bps | |
| Return on Equity | -3.83% | -2.35% | -4.75% | -2.96% | -7.36% | -353 bps | |
| Net Interest Margin | 3.74% | 1.16% | 1.74% | 3.83% | 3.57% | -17 bps | |
| Efficiency Ratio | 119.98% | 102.76% | 142.44% | 122.62% | 142.21% | +2,224 bps | |
| Non-Interest Burden | 4.44% | 1.16% | 2.46% | 4.51% | 4.73% | +29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.21% | 7.21% | 11.25% | 11.35% | 40.35% | +3,914 bps | |
| Loan Growth (YoY) | -1.58% | 20.59% | 13.00% | 22.52% | 70.97% | +7,255 bps | |
| Deposit Growth (YoY) | 4.19% | 3.61% | 14.30% | 7.83% | 45.65% | +4,146 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.63% | 4.48% | 9.58% | 10.82% | 10.85% | +522 bps | |
| Net Charge-Offs / Loans | 0.39% | 0.00% | 0.00% | 0.05% | 0.00% | -39 bps | |
| Allowance / Loans | 1.24% | 1.65% | 1.63% | 1.60% | 3.23% | +199 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.4x | 0.2x | 0.1x | 0.3x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.81% | 19.41% | 18.18% | 17.16% | 14.36% | -145 bps | |
| Total Risk-Based Capital | 24.17% | 25.08% | 23.29% | 19.63% | 15.27% | -890 bps | |
| Equity / Assets | 16.81% | 21.52% | 20.25% | 18.66% | 15.48% | -133 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.33% | 96.91% | 90.54% | 88.49% | 89.60% | +1,327 bps | |
| Liquid Assets / Assets | 10.43% | 10.16% | 3.43% | 7.19% | 11.84% | +141 bps | |
| CRE / Total Capital | n/a | 248% | 261% | 266% | n/a | n/a | |