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 (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 | 0.21% | 0.49% | 1.81% | 0.34% | 0.10% | -10 bps | |
| Return on Equity | 2.29% | 5.32% | 19.74% | 3.97% | 1.25% | -104 bps | |
| Net Interest Margin | 4.25% | 4.28% | 4.23% | 4.12% | 3.84% | -41 bps | |
| Efficiency Ratio | 93.01% | 86.34% | 77.97% | 88.90% | 95.89% | +288 bps | |
| Non-Interest Burden | 3.91% | 3.60% | 3.01% | 3.61% | 3.67% | -25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.11% | 7.53% | 6.82% | 9.80% | 6.85% | +74 bps | |
| Loan Growth (YoY) | 2.35% | 4.84% | 4.51% | 9.99% | 12.19% | +984 bps | |
| Deposit Growth (YoY) | 6.68% | 7.66% | 6.81% | 10.76% | 7.80% | +112 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.70% | 4.42% | 1.50% | 1.26% | 3.22% | -148 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.12% | -2.11% | 0.03% | -0.22% | -25 bps | |
| Allowance / Loans | 1.54% | 1.54% | 1.59% | 1.56% | 1.60% | +6 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 1.1x | 1.2x | 0.5x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.20% | 9.19% | 8.83% | 8.75% | 8.53% | -67 bps | |
| Total Risk-Based Capital | 18.24% | 17.94% | 17.25% | 16.67% | 16.09% | -215 bps | |
| Equity / Assets | 9.07% | 9.35% | 8.97% | 8.39% | 8.33% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.69% | 67.55% | 66.24% | 64.92% | 67.33% | +264 bps | |
| Liquid Assets / Assets | 8.75% | 5.29% | 8.89% | 7.97% | 6.08% | -267 bps | |
| CRE / Total Capital | n/a | 353% | 373% | 385% | n/a | n/a | |