Thomas, OK · Cert 25703 · Bancwest Inc.
State charter, non-member · FDIC · 4 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
47
Asset Quality
53
Profitability
73
Liquidity
66
Efficiency
69
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.
Thomas, OK · Cert 25703 · Bancwest Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.0% share · #70 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 | 2.18% | 1.91% | 1.95% | 1.88% | 1.90% | 1.88% | 1.72% | 1.61% | -27 bps | |
| Return on Equity | 17.22% | 15.12% | 15.60% | 15.19% | 15.41% | 15.21% | 14.82% | 14.46% | -73 bps | |
| Net Interest Margin | 5.22% | 5.20% | 4.87% | 4.81% | 4.79% | 4.73% | 4.59% | 4.33% | -48 bps | |
| Efficiency Ratio | 49.14% | 49.74% | 51.19% | 52.81% | 52.55% | 53.10% | 54.75% | 56.15% | +334 bps | |
| Non-Interest Burden | 2.48% | 2.50% | 2.37% | 2.42% | 2.40% | 2.39% | 2.40% | 2.33% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.10% | 6.27% | 2.37% | 3.41% | 6.17% | 1.98% | 5.98% | 8.25% | +484 bps | |
| Loan Growth (YoY) | 9.47% | 4.25% | -3.58% | -4.49% | -0.23% | 5.45% | 3.59% | 1.12% | +561 bps | |
| Deposit Growth (YoY) | 4.29% | 6.29% | 2.41% | 3.66% | 6.91% | 4.15% | 8.20% | 10.74% | +708 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.76% | 0.51% | 0.53% | 2.52% | 1.93% | 2.06% | 2.22% | +169 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0.00% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.27% | 1.60% | 1.67% | 1.76% | 1.60% | 1.51% | 1.61% | 1.74% | -2 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.1x | 3.3x | 3.3x | 0.6x | 0.8x | 0.8x | 0.8x | -2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.63% | 12.71% | 12.65% | 12.40% | 12.29% | 12.21% | 10.96% | 10.49% | -190 bps | |
| Total Risk-Based Capital | 13.89% | 14.02% | 14.73% | 15.21% | 14.25% | 13.93% | 13.22% | 13.97% | -124 bps | |
| Equity / Assets | 12.70% | 12.55% | 12.45% | 12.22% | 12.17% | 12.54% | 10.68% | 10.29% | -193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.51% | 101.37% | 93.20% | 86.33% | 93.80% | 102.64% | 89.24% | 78.83% | -750 bps | |
| Liquid Assets / Assets | 6.93% | 7.18% | 12.95% | 12.14% | 12.10% | 3.56% | 10.60% | 14.85% | +271 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 334% | 329% | 371% | n/a | n/a | |
Thomas, OK · Cert 25703 · Peer group: banks under $1B in assets in OK (n=88-89) · Bancwest Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.54%
Rank 25 of 89
Net Interest Margin
4.33%
Rank 25 of 89
Efficiency Ratio
56.15%
Rank 29 of 89
Equity / Assets
10.29%
Rank 55 of 89
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.54% | 0.85% | 1.26% | 1.60% | Beats 72% | 25 / 89 | ||
| Return on Equity | 14.95% | 7.40% | 11.89% | 14.65% | Beats 76% | 21 / 89 | ||
| Net Interest Margin | 4.33% | 3.46% | 3.93% | 4.45% | Beats 72% | 25 / 89 | ||
| Efficiency Ratio | 56.15% | 54.70% | 60.95% | 71.14% | Beats 69% | 29 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.22% | 0.30% | 0.82% | 2.25% | Beats 26% | 66 / 88 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 80% | 19 / 88 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.72% | 10.89% | 13.00% | 16.33% | Beats 46% | 48 / 89 | ||
| Total Risk-Based Capital Ratio | 13.97% | 11.20% | 13.06% | 16.33% | Beats 58% | 37 / 89 | ||
| Equity / Assets | 10.29% | 9.26% | 10.94% | 13.52% | Beats 38% | 55 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.83% | 61.51% | 72.27% | 84.01% | 58th pctl | 37 / 88 | ||
| Loans / Assets | 70.16% | 52.51% | 63.15% | 71.27% | 67th pctl | 29 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||