Ryan, OK · Cert 399
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 1.82% | -0.36% | 1.04% | 0.32% | -32 bps | |
| Return on Equity | 4.49% | 12.92% | -2.60% | 7.76% | 2.30% | -219 bps | |
| Net Interest Margin | 4.64% | 4.58% | 3.38% | 4.19% | 4.25% | -40 bps | |
| Efficiency Ratio | 88.40% | 67.69% | 104.66% | 75.13% | 81.68% | -672 bps | |
| Non-Interest Burden | 4.05% | 2.74% | 3.55% | 3.04% | 3.39% | -65 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.66% | 8.78% | 11.44% | 10.47% | 4.93% | -873 bps | |
| Loan Growth (YoY) | -0.29% | -8.14% | 3.57% | 8.34% | 4.37% | +466 bps | |
| Deposit Growth (YoY) | 14.58% | 8.64% | 12.17% | 11.31% | 4.92% | -966 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 3.81% | 5.15% | 7.11% | +711 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.20% | 1.25% | 1.25% | 1.26% | 1.54% | +34 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.3x | 0.2x | 0.2x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.78% | 14.21% | 13.45% | 13.49% | 13.68% | -10 bps | |
| Total Risk-Based Capital | 13.78% | 14.21% | 13.45% | 13.49% | 13.68% | -10 bps | |
| Equity / Assets | 13.92% | 14.31% | 13.28% | 13.65% | 13.95% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.63% | 60.74% | 61.43% | 61.68% | 62.30% | -33 bps | |
| Liquid Assets / Assets | 10.51% | 16.71% | 14.18% | 23.57% | 21.78% | +1,128 bps | |
| CRE / Total Capital | n/a | 97.96% | 89.02% | 86.12% | n/a | n/a | |