Oklahoma City, OK · Cert 27210 · Olney Bancshares of Texas Inc.
State charter, Fed member · FED · 45 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
49
Profitability
97
Liquidity
0
Efficiency
99
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Oklahoma City, OK · Cert 27210 · Olney Bancshares of Texas Inc.
State charter, Fed member · FED · 45 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #30 of 166 inst. · $1.7B of $732.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.03% | 3.02% | 2.89% | 2.91% | 2.88% | 2.84% | 2.45% | 2.53% | -39 bps | |
| Return on Equity | 23.73% | 23.90% | 23.77% | 24.14% | 23.88% | 23.92% | 21.41% | 21.45% | -269 bps | |
| Net Interest Margin | 5.76% | 5.66% | 5.27% | 5.17% | 5.00% | 4.78% | 4.65% | 4.82% | -36 bps | |
| Efficiency Ratio | 31.01% | 31.54% | 32.00% | 31.85% | 31.90% | 31.96% | 34.04% | 33.63% | +178 bps | |
| Non-Interest Burden | 1.58% | 1.59% | 1.50% | 1.42% | 1.39% | 1.34% | 1.42% | 1.46% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.04% | -0.54% | 1.62% | 10.47% | 14.39% | 20.43% | 17.15% | 6.44% | -403 bps | |
| Loan Growth (YoY) | 3.83% | 3.75% | 7.79% | 12.83% | 19.70% | 20.98% | 16.81% | 7.94% | -489 bps | |
| Deposit Growth (YoY) | 4.91% | -0.71% | 1.93% | 10.76% | 16.55% | 21.66% | 18.01% | 5.21% | -555 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.46% | 0.66% | 0.67% | 0.59% | 0.56% | 1.52% | 1.56% | +90 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.03% | 0.03% | 0.02% | 0.03% | 0.03% | 0.00% | 0.01% | -1 bps | |
| Allowance / Loans | 0.95% | 0.93% | 0.87% | 0.82% | 0.77% | 0.74% | 0.75% | 0.76% | -6 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.0x | 1.3x | 1.2x | 1.3x | 1.3x | 0.5x | 0.5x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.83% | 10.26% | 10.75% | 10.87% | 10.85% | 10.07% | 10.40% | 11.06% | +19 bps | |
| Total Risk-Based Capital | 12.36% | 10.78% | 10.61% | 10.67% | 10.90% | 10.54% | 10.40% | 11.06% | +39 bps | |
| Equity / Assets | 13.56% | 12.09% | 12.21% | 11.94% | 12.01% | 11.26% | 11.65% | 12.45% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.16% | 98.65% | 101.77% | 101.39% | 100.80% | 98.10% | 100.74% | 104.01% | +263 bps | |
| Liquid Assets / Assets | 10.72% | 8.63% | 7.06% | 8.36% | 8.05% | 9.88% | 7.90% | 7.35% | -101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 525% | 543% | 534% | n/a | n/a | |
Oklahoma City, OK · Cert 27210 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Olney Bancshares of Texas Inc.
State charter, Fed member · FED · 45 branches
Q2 2026
Return on Assets
2.57%
Rank 4 of 176
Net Interest Margin
4.82%
Rank 7 of 176
Efficiency Ratio
34.03%
Rank 2 of 176
Equity / Assets
12.45%
Rank 31 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.57% | 0.93% | 1.26% | 1.54% | Beats 98% | 4 / 176 | ||
| Return on Equity | 20.65% | 9.26% | 11.89% | 14.46% | Beats 96% | 7 / 176 | ||
| Net Interest Margin | 4.82% | 3.25% | 3.59% | 3.93% | Beats 96% | 7 / 176 | ||
| Efficiency Ratio | 34.03% | 52.79% | 59.55% | 67.66% | Beats 99% | 2 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.56% | 0.30% | 0.64% | 1.32% | Beats 14% | 152 / 176 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 84% | 30 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.06% | 11.15% | 12.72% | 14.15% | Beats 23% | 136 / 176 | ||
| Total Risk-Based Capital Ratio | 11.06% | 11.81% | 13.63% | 15.33% | Beats 14% | 151 / 176 | ||
| Equity / Assets | 12.45% | 9.16% | 10.35% | 11.80% | Beats 82% | 31 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.01% | 80.94% | 89.73% | 97.21% | 94th pctl | 11 / 176 | ||
| Loans / Assets | 89.03% | 69.25% | 75.12% | 80.82% | 99th pctl | 2 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||