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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.88% | 1.90% | 1.88% | 1.72% | 1.61% | -27 bps | |
| Return on Equity | 15.19% | 15.41% | 15.21% | 14.82% | 14.46% | -73 bps | |
| Net Interest Margin | 4.81% | 4.79% | 4.73% | 4.59% | 4.33% | -48 bps | |
| Efficiency Ratio | 52.81% | 52.55% | 53.10% | 54.75% | 56.15% | +334 bps | |
| Non-Interest Burden | 2.42% | 2.40% | 2.39% | 2.40% | 2.33% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.41% | 6.17% | 1.98% | 5.98% | 8.25% | +484 bps | |
| Loan Growth (YoY) | -4.49% | -0.23% | 5.45% | 3.59% | 1.12% | +561 bps | |
| Deposit Growth (YoY) | 3.66% | 6.91% | 4.15% | 8.20% | 10.74% | +708 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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% | -1 bps | |
| Allowance / Loans | 1.76% | 1.60% | 1.51% | 1.61% | 1.74% | -2 bps | |
| Allowance Coverage of NPLs | 3.3x | 0.6x | 0.8x | 0.8x | 0.8x | -2.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.40% | 12.29% | 12.21% | 10.96% | 10.49% | -190 bps | |
| Total Risk-Based Capital | 15.21% | 14.25% | 13.93% | 13.22% | 13.97% | -124 bps | |
| Equity / Assets | 12.22% | 12.17% | 12.54% | 10.68% | 10.29% | -193 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.33% | 93.80% | 102.64% | 89.24% | 78.83% | -750 bps | |
| Liquid Assets / Assets | 12.14% | 12.10% | 3.56% | 10.60% | 14.85% | +271 bps | |
| CRE / Total Capital | n/a | 334% | 329% | 371% | n/a | n/a | |