Duncan, OK · Cert 27394
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.2% share · #50 of 71 inst. · $0.1B 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 | 1.68% | 2.13% | 1.77% | 1.68% | 1.99% | 2.19% | 1.77% | 1.89% | +21 bps | |
| Return on Equity | 12.13% | 15.60% | 13.26% | 12.30% | 13.99% | 14.86% | 11.77% | 12.45% | +16 bps | |
| Net Interest Margin | 4.03% | 4.02% | 4.18% | 4.39% | 4.48% | 4.59% | 4.42% | 4.51% | +12 bps | |
| Efficiency Ratio | 54.29% | 46.23% | 52.41% | 56.44% | 47.58% | 45.99% | 53.50% | 55.19% | -124 bps | |
| Non-Interest Burden | 1.82% | 1.38% | 1.83% | 2.14% | 1.70% | 1.69% | 2.02% | 2.16% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 12.47% | 10.59% | 9.31% | 8.52% | -1.51% | -3.07% | -0.66% | -997 bps | |
| Loan Growth (YoY) | 2.35% | 0.61% | 2.27% | 4.44% | 4.71% | 2.03% | 0.94% | -6.49% | -1,092 bps | |
| Deposit Growth (YoY) | 8.16% | 15.91% | 13.66% | 9.04% | 7.90% | -3.61% | -5.40% | -2.18% | -1,122 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.30% | 2.33% | 4.79% | 5.22% | 5.40% | 5.82% | 5.89% | 5.22% | +1 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | -0.01% | 0.02% | 0.14% | -0.04% | 0.00% | 1.41% | +140 bps | |
| Allowance / Loans | 1.44% | 1.43% | 1.44% | 1.43% | 1.48% | 1.55% | 1.59% | 1.30% | -12 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.04% | 12.86% | 12.68% | 13.56% | 13.92% | 14.48% | 14.67% | 14.89% | +133 bps | |
| Total Risk-Based Capital | 18.92% | 18.35% | 17.30% | 18.05% | 18.57% | 19.85% | 20.60% | 21.27% | +322 bps | |
| Equity / Assets | 14.06% | 13.32% | 13.33% | 13.97% | 14.46% | 15.07% | 15.02% | 15.26% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.11% | 88.19% | 87.67% | 92.62% | 93.27% | 93.36% | 93.55% | 88.54% | -408 bps | |
| Liquid Assets / Assets | 0.03% | 1.07% | 1.41% | 1.09% | 1.10% | 1.12% | 1.13% | 1.14% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 337% | 321% | 324% | n/a | n/a | |