Altus, OK · Cert 4031 · First Altus Bcorp Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #63 of 71 inst. · $0.0B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.58% | 0.50% | 0.70% | 0.32% | -27 bps | |
| Return on Equity | 5.88% | 5.49% | 4.70% | 6.91% | 3.19% | -269 bps | |
| Net Interest Margin | 2.85% | 2.92% | 3.08% | 2.97% | 3.08% | +23 bps | |
| Efficiency Ratio | 77.14% | 77.51% | 74.89% | 72.03% | 87.48% | +1,034 bps | |
| Non-Interest Burden | 2.12% | 2.18% | 2.23% | 2.04% | 2.65% | +54 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.97% | -5.73% | -7.45% | 5.86% | 1.84% | +481 bps | |
| Loan Growth (YoY) | -15.08% | -19.32% | -15.72% | -12.93% | -10.82% | +426 bps | |
| Deposit Growth (YoY) | -4.20% | -6.95% | -8.92% | 6.09% | 1.80% | +599 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.10% | 0.19% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.36% | 1.44% | 1.51% | 1.53% | 1.52% | +17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 15.6x | 8.1x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.79% | 11.97% | 12.02% | 11.35% | 11.21% | -58 bps | |
| Total Risk-Based Capital | 17.24% | 18.15% | 18.76% | 18.61% | 18.30% | +106 bps | |
| Equity / Assets | 10.18% | 10.81% | 10.45% | 9.90% | 10.25% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.64% | 70.23% | 64.26% | 59.60% | 61.88% | -876 bps | |
| Liquid Assets / Assets | 12.69% | 12.58% | 15.22% | 18.83% | 12.88% | +19 bps | |
| CRE / Total Capital | n/a | 302% | 252% | 246% | n/a | n/a | |