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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.18% | -1.02% | -0.25% | 0.12% | 0.70% | -1.38% | 1.25% | +150 bps | |
| Return on Equity | -17.26% | 12.06% | -10.59% | -2.65% | 1.25% | 7.41% | -14.59% | 11.45% | +1,410 bps | |
| Net Interest Margin | 5.07% | 5.24% | 4.99% | 4.57% | 4.70% | 4.56% | 4.69% | -11.82% | -1,639 bps | |
| Efficiency Ratio | 78.12% | 78.00% | 72.53% | 98.21% | 88.88% | 79.76% | 78.83% | 74.23% | -2,397 bps | |
| Non-Interest Burden | 3.75% | 3.85% | 3.35% | 4.48% | 4.10% | 3.46% | 3.56% | -9.31% | -1,379 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% | 0.74% | 3.39% | 4.00% | 0.23% | -0.14% | 0.41% | -0.50% | -450 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 | |