Oklahoma City, OK · Cert 4049
State charter, non-member · FDIC · 6 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 the Oklahoma City, OK area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
12
Profitability
28
Liquidity
39
Efficiency
4
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.
Oklahoma City, OK · Cert 4049
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.3% share · #47 of 71 inst. · $0.2B 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 | 1.65% | 1.61% | 1.23% | -0.56% | -1.98% | -1.38% | -1.27% | -0.27% | +29 bps | |
| Return on Equity | 13.33% | 12.90% | 9.72% | -4.56% | -16.75% | -11.88% | -12.08% | -2.51% | +205 bps | |
| Net Interest Margin | 5.45% | 5.30% | 4.64% | 4.63% | 5.18% | 5.03% | 4.30% | 4.41% | -22 bps | |
| Efficiency Ratio | 68.28% | 68.93% | 73.31% | 75.47% | 70.49% | 74.72% | 91.12% | 88.91% | +1,344 bps | |
| Non-Interest Burden | 3.34% | 3.28% | 3.09% | 3.21% | 3.30% | 3.46% | 3.81% | 3.79% | +57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | 1.62% | 1.87% | 4.74% | -0.15% | 0.54% | -2.33% | -7.45% | -1,219 bps | |
| Loan Growth (YoY) | 9.17% | 5.83% | 3.98% | 1.44% | 1.43% | -3.63% | -10.37% | -8.36% | -980 bps | |
| Deposit Growth (YoY) | -0.75% | 1.08% | 1.18% | 8.74% | 2.21% | 2.95% | 0.40% | -6.70% | -1,544 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.23% | 5.24% | 5.50% | 7.59% | 8.95% | 7.18% | 6.87% | 6.33% | -126 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | 2.21% | 2.44% | 3.62% | 1.12% | 0.60% | -161 bps | |
| Allowance / Loans | 0.91% | 0.91% | 0.90% | 0.91% | 2.29% | 0.70% | 1.01% | 0.97% | +6 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.2x | 0.1x | 0.3x | 0.1x | 0.1x | 0.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.70% | 12.71% | 12.60% | 11.45% | 10.36% | 10.71% | 10.47% | 10.77% | -68 bps | |
| Total Risk-Based Capital | 12.70% | 12.71% | 12.60% | 11.45% | 10.36% | 10.71% | 10.47% | 10.77% | -68 bps | |
| Equity / Assets | 12.48% | 12.80% | 12.55% | 11.54% | 10.50% | 10.65% | 10.35% | 10.97% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.35% | 101.85% | 100.36% | 96.90% | 99.58% | 95.34% | 89.60% | 95.18% | -172 bps | |
| Liquid Assets / Assets | 6.44% | 6.94% | 7.96% | 9.21% | 7.72% | 10.54% | 14.20% | 9.57% | +36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 495% | 495% | 475% | n/a | n/a | |
Oklahoma City, OK · Cert 4049 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25)
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
-0.28%
Rank 25 of 25
Net Interest Margin
4.41%
Rank 4 of 25
Efficiency Ratio
88.91%
Rank 25 of 25
Equity / Assets
10.97%
Rank 8 of 25
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.28% | 0.60% | 0.90% | 1.27% | Beats 0% | 25 / 25 | ||
| Return on Equity | -2.51% | 6.92% | 9.16% | 13.29% | Beats 0% | 25 / 25 | ||
| Net Interest Margin | 4.41% | 3.56% | 3.82% | 4.10% | Beats 84% | 4 / 25 | ||
| Efficiency Ratio | 88.91% | 56.35% | 63.12% | 79.22% | Beats 4% | 25 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.33% | 0.33% | 0.76% | 2.35% | Beats 12% | 23 / 25 | ||
| Net Charge-Offs / Loans | 0.30% | n/a | 0.00% | 0.05% | Beats 12% | 23 / 25 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.77% | 10.27% | 12.02% | 13.99% | Beats 28% | 18 / 25 | ||
| Total Risk-Based Capital Ratio | 10.77% | 10.27% | 12.44% | 15.25% | Beats 28% | 18 / 25 | ||
| Equity / Assets | 10.97% | 8.64% | 10.07% | 11.05% | Beats 68% | 8 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.18% | 70.71% | 82.03% | 97.03% | 64th pctl | 9 / 25 | ||
| Loans / Assets | 84.24% | 62.67% | 74.54% | 84.24% | 72nd pctl | 7 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||