Canton, OK · Cert 26416 · Canton Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.43% | 0.86% | 1.28% | 1.39% | 1.73% | 1.35% | 1.57% | 1.39% | -1 bps | |
| Return on Equity | 11.94% | 7.10% | 10.66% | 11.51% | 14.00% | 10.51% | 12.32% | 10.88% | -63 bps | |
| Net Interest Margin | 4.71% | 4.50% | 4.30% | 4.55% | 4.74% | 4.82% | 4.74% | 4.67% | +12 bps | |
| Efficiency Ratio | 60.88% | 74.88% | 64.46% | 61.85% | 54.92% | 57.22% | 57.44% | 58.32% | -353 bps | |
| Non-Interest Burden | 2.72% | 3.27% | 2.64% | 2.66% | 2.41% | 2.57% | 2.55% | 2.57% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.88% | 7.50% | 2.43% | 8.00% | 8.11% | 1.63% | 6.82% | 3.50% | -450 bps | |
| Loan Growth (YoY) | 7.61% | 8.51% | 6.66% | 5.89% | 8.71% | 7.32% | 7.64% | 4.73% | -116 bps | |
| Deposit Growth (YoY) | -2.46% | 3.22% | 1.08% | 7.25% | 7.48% | 3.68% | 6.09% | 2.61% | -465 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.04% | 1.11% | 1.06% | 0.56% | 0.39% | 0.60% | 0.00% | 0.34% | -22 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.13% | 0.06% | -0.11% | 0.07% | 1.97% | -0.15% | 0.29% | +40 bps | |
| Allowance / Loans | 1.89% | 1.87% | 1.85% | 1.89% | 1.85% | 1.53% | 1.62% | 1.66% | -23 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.7x | 1.7x | 3.4x | 4.8x | 2.6x | n/a | 4.8x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.25% | 12.19% | 12.27% | 12.38% | 12.61% | 13.01% | 13.02% | 12.90% | +52 bps | |
| Total Risk-Based Capital | 12.25% | 12.19% | 12.27% | 12.38% | 12.61% | 13.01% | 13.02% | 12.90% | +52 bps | |
| Equity / Assets | 12.31% | 11.84% | 12.10% | 12.10% | 12.64% | 12.99% | 12.58% | 12.89% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.66% | 85.90% | 82.62% | 82.31% | 86.64% | 88.92% | 83.82% | 84.01% | +170 bps | |
| Liquid Assets / Assets | 3.84% | 3.31% | 3.27% | 1.77% | 1.77% | 1.45% | 1.03% | 1.03% | -74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 49.56% | 49.18% | 51.96% | n/a | n/a | |