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 (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 | 2.61% | 2.97% | 2.89% | 2.96% | 2.81% | 2.71% | 2.45% | 2.59% | -37 bps | |
| Return on Equity | 19.50% | 23.13% | 23.77% | 24.54% | 23.42% | 23.32% | 21.41% | 21.51% | -303 bps | |
| Net Interest Margin | 5.72% | 5.46% | 5.27% | 5.29% | 5.18% | 4.92% | 4.65% | 4.90% | -39 bps | |
| Efficiency Ratio | 31.57% | 33.21% | 32.00% | 31.72% | 31.98% | 32.14% | 34.04% | 33.23% | +152 bps | |
| Non-Interest Burden | 1.53% | 1.64% | 1.50% | 1.39% | 1.48% | 1.41% | 1.42% | 1.46% | +7 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 | 0.01% | 0.01% | 0.03% | 0.00% | 0.07% | 0.01% | 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 | |