Elk City, OK · Cert 34207 · Great Plains Bancshares Inc.
National charter · OCC · 24 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.7% share · #26 of 71 inst. · $0.4B 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 | 1.42% | 1.16% | 1.12% | 1.47% | 1.62% | 1.41% | 1.47% | 1.49% | +2 bps | |
| Return on Equity | 14.45% | 11.53% | 11.19% | 14.88% | 16.39% | 13.84% | 14.21% | 14.65% | -24 bps | |
| Net Interest Margin | 4.78% | 4.85% | 4.73% | 4.96% | 5.18% | 5.20% | 5.06% | 5.08% | +12 bps | |
| Efficiency Ratio | 65.80% | 69.17% | 70.02% | 65.17% | 63.42% | 61.05% | 64.52% | 65.96% | +79 bps | |
| Non-Interest Burden | 2.72% | 3.02% | 2.98% | 2.71% | 2.76% | 2.63% | 2.80% | 2.83% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.68% | 7.76% | 4.27% | 8.56% | 7.96% | 7.17% | 7.39% | 4.76% | -380 bps | |
| Loan Growth (YoY) | 6.19% | 3.50% | 0.61% | 6.31% | 8.43% | 11.22% | 13.57% | 9.52% | +322 bps | |
| Deposit Growth (YoY) | 5.77% | 8.58% | 4.37% | 8.44% | 7.73% | 6.69% | 6.89% | 4.23% | -421 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.24% | 0.49% | 1.20% | 1.04% | 0.99% | 1.56% | 1.60% | 1.33% | +29 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.31% | 0.07% | 0.05% | 0.06% | 0.53% | 0.12% | 0.62% | +58 bps | |
| Allowance / Loans | 1.08% | 1.07% | 1.14% | 1.16% | 1.24% | 1.23% | 1.27% | 1.17% | +1 bps | |
| Allowance Coverage of NPLs | 0.9x | 2.2x | 1.0x | 1.1x | 1.3x | 0.8x | 0.8x | 0.9x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.37% | 9.39% | 9.20% | 9.18% | 9.53% | 9.68% | 9.42% | +22 bps | |
| Total Risk-Based Capital | 11.81% | 12.11% | 12.29% | 11.99% | 11.92% | 12.22% | 12.49% | 12.10% | +11 bps | |
| Equity / Assets | 10.02% | 10.05% | 9.99% | 9.72% | 10.03% | 10.34% | 10.29% | 10.03% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.87% | 92.79% | 90.12% | 91.97% | 92.46% | 96.73% | 95.75% | 96.64% | +467 bps | |
| Liquid Assets / Assets | 4.97% | 3.36% | 5.04% | 4.83% | 4.82% | 3.65% | 4.80% | 4.11% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 359% | 355% | 350% | n/a | n/a | |