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 | |