Marlow, OK · Cert 26260 · Leader First Bcorp Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.0% share · #71 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 | 0.54% | -0.57% | -0.06% | 0.99% | 0.97% | +44 bps | |
| Return on Equity | 8.49% | -9.10% | -0.94% | 14.56% | 14.10% | +561 bps | |
| Net Interest Margin | 3.87% | 4.04% | 4.16% | 4.30% | 4.25% | +38 bps | |
| Efficiency Ratio | 79.72% | 80.77% | 78.33% | 73.98% | 74.42% | -530 bps | |
| Non-Interest Burden | 2.89% | 3.10% | 3.08% | 3.05% | 3.03% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.08% | -4.64% | -4.12% | -1.05% | 0.15% | +23 bps | |
| Loan Growth (YoY) | 10.51% | 6.77% | 5.06% | 1.34% | -11.47% | -2,198 bps | |
| Deposit Growth (YoY) | 12.88% | 11.18% | 9.49% | 3.20% | 1.54% | -1,134 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 1.16% | 1.12% | 1.13% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.02% | -0.02% | 0.02% | 0 bps | |
| Allowance / Loans | 0.73% | 2.08% | 2.05% | 2.10% | 2.37% | +164 bps | |
| Allowance Coverage of NPLs | n/a | 1.8x | 1.8x | 1.9x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.84% | 7.22% | 7.65% | 7.97% | 8.15% | +31 bps | |
| Total Risk-Based Capital | 12.15% | 11.59% | 12.16% | 12.61% | 14.40% | +225 bps | |
| Equity / Assets | 6.50% | 6.23% | 6.71% | 6.82% | 7.15% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.31% | 80.34% | 80.68% | 77.14% | 68.27% | -1,004 bps | |
| Liquid Assets / Assets | 2.03% | 2.46% | 2.67% | 2.77% | 13.55% | +1,152 bps | |
| CRE / Total Capital | n/a | 474% | 447% | 429% | n/a | n/a | |