Collinsville, OK · Cert 34606
FDIC · 6 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Tulsa, OK area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
16
Profitability
0
Liquidity
58
Efficiency
16
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.
Collinsville, OK · Cert 34606
FDIC · 6 branches
Q4 2025
Market Position · Tulsa, OK · 2025 SOD (annual) · 0.5% share · #32 of 60 inst. · $0.2B of $37.9B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.75% | -0.27% | -0.52% | -0.45% | 0.12% | 0.41% | -0.18% | 0.18% | +63 bps | |
| Return on Equity | -17.26% | -2.69% | -5.30% | -4.65% | 1.25% | 4.33% | -1.94% | 1.77% | +642 bps | |
| Net Interest Margin | 5.07% | 5.15% | 5.00% | 4.85% | 4.70% | 4.67% | 4.67% | 0.53% | -432 bps | |
| Efficiency Ratio | 78.12% | 78.06% | 76.21% | 81.10% | 88.88% | 84.33% | 82.53% | 68.14% | -1,296 bps | |
| Non-Interest Burden | 3.75% | 3.79% | 3.57% | 3.77% | 4.10% | 3.81% | 3.72% | 0.37% | -340 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.19% | -0.76% | 5.45% | 6.12% | 0.44% | 0.28% | -4.04% | 2.32% | -380 bps | |
| Loan Growth (YoY) | 7.01% | 1.72% | -0.41% | -2.16% | -8.88% | -10.50% | -12.39% | -16.46% | -1,430 bps | |
| Deposit Growth (YoY) | 4.65% | -0.69% | 7.68% | 9.10% | 1.69% | 1.60% | -3.62% | 2.57% | -654 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.68% | 3.00% | 3.25% | 2.46% | 2.68% | 3.24% | 3.19% | 3.19% | +72 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.50% | 1.47% | 2.13% | 0.23% | 0.05% | 0.17% | 0.01% | -211 bps | |
| Allowance / Loans | 1.89% | 1.74% | 1.70% | 1.17% | 1.32% | 1.48% | 2.31% | 3.31% | +214 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.5x | 0.5x | 0.5x | 0.5x | 0.7x | 1.0x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.77% | 9.94% | 9.38% | 9.22% | 9.31% | 9.58% | 9.21% | 9.68% | +46 bps | |
| Total Risk-Based Capital | 13.40% | 13.77% | 9.38% | 9.22% | 9.31% | 9.58% | 9.21% | 15.50% | +628 bps | |
| Equity / Assets | 9.60% | 9.92% | 9.30% | 9.41% | 9.36% | 9.61% | 9.35% | 12.43% | +303 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.01% | 97.83% | 91.01% | 90.58% | 87.82% | 86.18% | 82.73% | 73.78% | -1,680 bps | |
| Liquid Assets / Assets | 7.18% | 6.82% | 5.36% | 6.26% | 6.71% | 5.50% | 5.26% | 0.26% | -600 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 217% | 193.40% | n/a | |
Collinsville, OK · Cert 34606 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=19)
FDIC · 6 branches
Q4 2025
Return on Assets
0.17%
Rank 19 of 19
Net Interest Margin
0.53%
Rank 19 of 19
Efficiency Ratio
74.23%
Rank 17 of 19
Equity / Assets
12.43%
Rank 8 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 1.01% | 1.26% | 2.10% | Beats 0% | 19 / 19 | ||
| Return on Equity | 1.39% | 8.55% | 12.22% | 16.28% | Beats 0% | 19 / 19 | ||
| Net Interest Margin | 0.53% | 3.59% | 4.04% | 4.96% | Beats 0% | 19 / 19 | ||
| Efficiency Ratio | 74.23% | 50.83% | 60.21% | 70.02% | Beats 16% | 17 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.19% | 0.18% | 0.44% | 1.22% | Beats 16% | 17 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.23% | 11.84% | 13.26% | 14.46% | Beats 68% | 6 / 19 | ||
| Total Risk-Based Capital Ratio | 15.50% | 11.96% | 14.36% | 15.50% | Beats 74% | 5 / 19 | ||
| Equity / Assets | 12.43% | 9.55% | 11.35% | 14.07% | Beats 58% | 8 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.78% | 72.69% | 86.19% | 94.68% | 26th pctl | 14 / 19 | ||
| Loans / Assets | 61.50% | 61.50% | 73.30% | 82.34% | 21st pctl | 15 / 19 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | 0.00% | 6.26% | Beats 100% | 10 / 19 | ||