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 (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 | 2.48% | 1.86% | 0.70% | -2.24% | 0.04% | -2.26% | -0.57% | -1.99% | +24 bps | |
| Return on Equity | 13.81% | 9.77% | 3.77% | -12.77% | 0.19% | -10.84% | -2.96% | -11.78% | +99 bps | |
| Net Interest Margin | 5.61% | 5.12% | 4.17% | 3.32% | -4.21% | 3.62% | 3.83% | 3.77% | +45 bps | |
| Efficiency Ratio | 61.55% | 75.06% | 84.60% | 191.24% | 102.77% | 186.26% | 122.62% | 161.76% | -2,948 bps | |
| Non-Interest Burden | 2.34% | 2.22% | 3.35% | 5.54% | -5.45% | 6.48% | 4.51% | 5.53% | -1 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 | 0.00% | 0.00% | 0.75% | 0.00% | -0.63% | 0.00% | 0.05% | -0.05% | -5 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 | |