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Community National Bank of Okarche

Okarche, OK · Cert 25161

FDIC · 2 branches

Q4 2025

$121.0MAssets
$43.2MLoans
$99.9MDeposits
$20.8MEquity
Loan mix
75%RE $21.3M17%C&I $4.7M9%Consumer $2.4MQ1 2024Q4 2025
Deposit mix
80%Interest-bearing $79.9M20%Noninterest $20.0MQ1 2024Q4 2025

Executive Summary

  • Earnings: ROA of -1.07%, down 177 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.00% of loans (-178 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.27%, up 86 bps from a year ago.
  • Funding: loans stand at 43.27% of deposits as of Q4 2025.

Return on Assets (quarter, annualized)

-1.07%-177 bps YoY

Net Interest Margin (quarter, annualized)

2.47%+14 bps YoY

Efficiency Ratio (quarter, annualized)

138.17%+7,217 bps YoY

Tier 1 Leverage Ratio

17.27%+86 bps YoY

NIM

3.90%Q4 ’234.04%Q4 ’244.17%Q4 ’25+3%+6%

Non-interest income vs. expense

1.57%Q4 ’231.69%Q4 ’244.02%Q4 ’25+8%+146%

Discrete quarter, annualized.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.84%0.77%0.92%0.70%0.68%0.86%0.90%-1.07%-177 bps
Return on Equity6.99%6.19%6.63%4.75%4.51%5.52%5.57%-6.35%-1,110 bps
Net Interest Margin2.31%2.30%2.45%2.33%2.34%2.44%2.42%2.47%+14 bps
Efficiency Ratio59.10%62.13%57.13%66.00%67.19%60.27%59.53%138.17%+7,217 bps
Non-Interest Burden1.27%1.33%1.30%1.46%1.50%1.37%1.29%3.58%+212 bps
Growth
Asset Growth (YoY)2.79%0.41%0.51%-8.36%-9.69%-4.77%-3.37%-5.77%+259 bps
Loan Growth (YoY)1.06%-4.91%-8.72%-14.17%-14.26%-8.15%-8.11%0.73%+1,490 bps
Deposit Growth (YoY)2.50%-3.22%-2.92%-8.72%-13.60%-6.20%-5.44%-3.98%+474 bps
Asset Quality
Nonperforming Loans / Loans2.12%2.32%1.81%1.78%0.00%0.00%0.00%0.00%-178 bps
Net Charge-Offs / Loans-0.15%0.00%0.00%0.00%2.86%-0.11%0.00%0.00%0 bps
Allowance / Loans1.76%1.92%2.03%1.99%1.34%1.39%1.47%1.31%-68 bps
Allowance Coverage of NPLs0.8x0.8x1.1x1.1xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.64%15.16%15.97%16.42%16.72%16.86%17.19%17.27%+86 bps
Total Risk-Based Capital14.64%15.16%15.97%16.42%16.72%16.86%17.19%17.27%+86 bps
Equity / Assets12.12%12.92%14.84%14.56%15.51%15.69%16.63%17.19%+262 bps
Liquidity & Funding
Loans / Deposits39.65%38.75%37.61%41.25%39.35%37.95%36.54%43.27%+202 bps
Liquid Assets / Assets4.39%4.20%4.82%4.75%4.64%4.58%3.65%1.02%-373 bps
CRE / Total Capitaln/an/an/an/an/an/a36.01%32.86%n/a