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 | |