Fairview, OK · Cert 28652
State savings bank · OCC · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.53% | 1.56% | 1.20% | 1.46% | 1.48% | -5 bps | |
| Return on Equity | 7.06% | 7.15% | 5.51% | 6.88% | 7.06% | -1 bps | |
| Net Interest Margin | 3.94% | 4.01% | 3.95% | 4.00% | 3.90% | -5 bps | |
| Efficiency Ratio | 58.67% | 57.02% | 65.05% | 56.18% | 55.96% | -271 bps | |
| Non-Interest Burden | 2.25% | 2.23% | 2.52% | 2.19% | 2.12% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.07% | 7.22% | 8.55% | 7.72% | 11.69% | +362 bps | |
| Loan Growth (YoY) | 3.73% | 2.87% | 6.93% | 3.15% | -1.86% | -559 bps | |
| Deposit Growth (YoY) | 13.63% | 12.24% | 11.96% | 8.20% | 13.31% | -32 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.12% | 0.11% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.54% | 0.54% | 0.53% | 0.57% | 0.61% | +8 bps | |
| Allowance Coverage of NPLs | n/a | 4.6x | 4.6x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 21.65% | 22.11% | 21.53% | 21.43% | 20.76% | -89 bps | |
| Total Risk-Based Capital | 21.65% | 22.11% | 21.53% | 21.43% | 20.76% | -89 bps | |
| Equity / Assets | 21.90% | 22.25% | 21.44% | 20.89% | 20.73% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.26% | 97.81% | 95.73% | 88.75% | 85.10% | -1,316 bps | |
| Liquid Assets / Assets | 11.85% | 11.43% | 11.50% | 10.86% | 11.93% | +8 bps | |
| CRE / Total Capital | n/a | 42.73% | 44.98% | 44.83% | n/a | n/a | |