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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.91% | 0.42% | 0.59% | 0.58% | 0.50% | 0.70% | 0.32% | -27 bps | |
| Return on Equity | 1.22% | 9.78% | 4.45% | 5.88% | 5.49% | 4.70% | 6.91% | 3.19% | -269 bps | |
| Net Interest Margin | 2.41% | 2.42% | 2.68% | 2.85% | 2.92% | 3.08% | 2.97% | 3.08% | +23 bps | |
| Efficiency Ratio | 95.65% | 89.69% | 81.14% | 77.14% | 77.51% | 74.89% | 72.03% | 87.48% | +1,034 bps | |
| Non-Interest Burden | 2.34% | 2.12% | 2.12% | 2.12% | 2.18% | 2.23% | 2.04% | 2.65% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.74% | -5.03% | -9.29% | -2.97% | -5.73% | -7.45% | 5.86% | 1.84% | +481 bps | |
| Loan Growth (YoY) | -10.85% | -12.31% | -15.01% | -15.08% | -19.32% | -15.72% | -12.93% | -10.82% | +426 bps | |
| Deposit Growth (YoY) | -2.15% | -4.80% | -9.78% | -4.20% | -6.95% | -8.92% | 6.09% | 1.80% | +599 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.18% | 0.00% | 0.00% | 0.00% | 0.10% | 0.19% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.53% | -0.55% | 0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.19% | 1.28% | 1.33% | 1.36% | 1.44% | 1.51% | 1.53% | 1.52% | +17 bps | |
| Allowance Coverage of NPLs | 7.1x | 7.2x | 596.8x | n/a | n/a | 15.6x | 8.1x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.85% | 11.21% | 11.28% | 11.79% | 11.97% | 12.02% | 11.35% | 11.21% | -58 bps | |
| Total Risk-Based Capital | 14.40% | 15.70% | 16.59% | 17.24% | 18.15% | 18.76% | 18.61% | 18.30% | +106 bps | |
| Equity / Assets | 9.64% | 8.98% | 10.03% | 10.18% | 10.81% | 10.45% | 9.90% | 10.25% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.99% | 69.45% | 72.62% | 70.64% | 70.23% | 64.26% | 59.60% | 61.88% | -876 bps | |
| Liquid Assets / Assets | 0.92% | 9.54% | 7.76% | 12.69% | 12.58% | 15.22% | 18.83% | 12.88% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 302% | 252% | 246% | n/a | n/a | |