Hinton, OK · Cert 4042 · Midstate Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
39
Profitability
24
Liquidity
87
Efficiency
10
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.
Hinton, OK · Cert 4042 · Midstate Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.5% share · #38 of 71 inst. · $0.3B of $60.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.10% | 0.88% | 0.54% | 0.52% | 0.85% | 0.34% | 0.22% | -32 bps | |
| Return on Equity | 2.32% | 1.02% | 9.58% | 5.92% | 5.70% | 9.31% | 3.97% | 2.62% | -330 bps | |
| Net Interest Margin | 4.58% | 4.44% | 4.43% | 4.28% | 4.24% | 4.17% | 4.12% | 3.93% | -35 bps | |
| Efficiency Ratio | 89.01% | 91.78% | 77.20% | 84.66% | 85.22% | 83.23% | 88.90% | 92.26% | +761 bps | |
| Non-Interest Burden | 4.01% | 4.03% | 3.18% | 3.51% | 3.50% | 3.32% | 3.61% | 3.60% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.10% | 4.04% | 6.11% | 6.11% | 7.53% | 6.82% | 9.80% | 6.85% | +74 bps | |
| Loan Growth (YoY) | 3.76% | 7.17% | 3.83% | 2.35% | 4.84% | 4.51% | 9.99% | 12.19% | +984 bps | |
| Deposit Growth (YoY) | -0.21% | 4.94% | 6.88% | 6.68% | 7.66% | 6.81% | 10.76% | 7.80% | +112 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.94% | 5.75% | 4.33% | 4.70% | 4.42% | 1.50% | 1.26% | 3.22% | -148 bps | |
| Net Charge-Offs / Loans | 0.50% | 0.49% | 0.10% | 0.06% | 0.00% | -0.53% | 0.03% | -0.09% | -16 bps | |
| Allowance / Loans | 1.58% | 1.49% | 1.52% | 1.54% | 1.54% | 1.59% | 1.56% | 1.60% | +6 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 1.1x | 1.2x | 0.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.55% | 9.36% | 9.38% | 9.20% | 9.19% | 8.83% | 8.75% | 8.53% | -67 bps | |
| Total Risk-Based Capital | 17.52% | 17.19% | 18.22% | 18.24% | 17.94% | 17.25% | 16.67% | 16.09% | -215 bps | |
| Equity / Assets | 9.51% | 9.16% | 9.17% | 9.07% | 9.35% | 8.97% | 8.39% | 8.33% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.37% | 67.70% | 65.37% | 64.69% | 67.55% | 66.24% | 64.92% | 67.33% | +264 bps | |
| Liquid Assets / Assets | 32.46% | 8.90% | 12.98% | 8.75% | 5.29% | 8.89% | 7.97% | 6.08% | -267 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 353% | 373% | 385% | n/a | n/a | |
Hinton, OK · Cert 4042 · Peer group: banks under $1B in assets in OK (n=88-89) · Midstate Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
0.22%
Rank 80 of 89
Net Interest Margin
3.93%
Rank 44 of 89
Efficiency Ratio
92.26%
Rank 81 of 89
Equity / Assets
8.33%
Rank 78 of 89
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.85% | 1.26% | 1.60% | Beats 10% | 80 / 89 | ||
| Return on Equity | 2.67% | 7.40% | 11.89% | 14.65% | Beats 11% | 79 / 89 | ||
| Net Interest Margin | 3.93% | 3.46% | 3.93% | 4.45% | Beats 51% | 44 / 89 | ||
| Efficiency Ratio | 92.26% | 54.70% | 60.95% | 71.14% | Beats 10% | 81 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.22% | 0.30% | 0.82% | 2.25% | Beats 16% | 75 / 88 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 61% | 36 / 88 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.83% | 10.89% | 13.00% | 16.33% | Beats 70% | 27 / 89 | ||
| Total Risk-Based Capital Ratio | 16.09% | 11.20% | 13.06% | 16.33% | Beats 73% | 24 / 89 | ||
| Equity / Assets | 8.33% | 9.26% | 10.94% | 13.52% | Beats 12% | 78 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.33% | 61.51% | 72.27% | 84.01% | 36th pctl | 56 / 88 | ||
| Loans / Assets | 61.28% | 52.51% | 63.15% | 71.27% | 45th pctl | 49 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||