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 (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 | 2.15% | 1.10% | 1.95% | 1.82% | 1.93% | 1.78% | 1.72% | 1.51% | -32 bps | |
| Return on Equity | 17.14% | 8.73% | 15.60% | 14.78% | 15.86% | 14.44% | 14.82% | 14.38% | -40 bps | |
| Net Interest Margin | 5.25% | 5.08% | 4.87% | 4.86% | 4.90% | 4.66% | 4.59% | 4.28% | -57 bps | |
| Efficiency Ratio | 49.37% | 51.55% | 51.19% | 54.40% | 52.05% | 54.78% | 54.75% | 57.57% | +317 bps | |
| Non-Interest Burden | 2.51% | 2.49% | 2.37% | 2.53% | 2.43% | 2.43% | 2.40% | 2.37% | -16 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% | 0.03% | 0.00% | 0.01% | 0.00% | 0.00% | -0.01% | 0.00% | -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 | |