Oklahoma City, OK · Cert 26677 · Bankers Bcorp of Oklahoma Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.4% share · #43 of 71 inst. · $0.2B 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 | 2.90%1 | 1.20% | 1.16% | 1.32% | 1.17% | 1.03% | 1.04% | 0.94% | -38 bps | |
| Return on Equity | 21.07% | 8.75% | 8.53% | 9.66% | 8.76% | 8.22% | 8.41% | 7.32% | -234 bps | |
| Net Interest Margin | 3.61% | 3.67% | 3.72% | 3.79% | 3.69% | 3.75% | 3.65% | 3.52% | -27 bps | |
| Efficiency Ratio | 75.97% | 78.82% | 77.31% | 74.95% | 75.26% | 76.86% | 78.92% | 81.52% | +657 bps | |
| Non-Interest Burden | 1.59% | 2.07% | 2.02% | 1.85% | 1.89% | 1.94% | 2.22% | 2.30% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.98% | 15.53% | 3.93% | 6.74% | 14.26% | 19.53% | 13.73% | 13.57% | +683 bps | |
| Loan Growth (YoY) | 2.68% | 11.37% | 15.67% | 19.11% | 26.53% | 28.49% | 18.42% | 12.77% | -634 bps | |
| Deposit Growth (YoY) | 20.24% | 22.92% | 1.72% | -4.47% | 0.45% | -6.08% | 12.05% | 18.84% | +2,331 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.93% | +193 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.65% | 1.54% | 1.49% | 1.50% | 1.42% | 1.43% | 1.51% | 1.58% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.8x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.20% | 14.12% | 13.60% | 13.70% | 13.16% | 12.77% | 12.44% | 12.70% | -100 bps | |
| Total Risk-Based Capital | 17.72% | 16.81% | 16.28% | 16.24% | 15.23% | 14.03% | 14.68% | 15.33% | -90 bps | |
| Equity / Assets | 14.09% | 13.48% | 13.64% | 13.63% | 13.06% | 11.98% | 12.84% | 12.74% | -89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.10% | 88.67% | 96.18% | 106.41% | 110.96% | 121.31% | 101.65% | 100.98% | -544 bps | |
| Liquid Assets / Assets | 7.09% | 6.25% | 7.22% | 6.66% | 5.86% | 5.08% | 5.63% | 5.34% | -132 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 388% | 429% | 427% | n/a | n/a | |