Broken Arrow, OK · Cert 4050 · First Broken Arrow Corp.
National charter · OCC · 2 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.6% share · #29 of 59 inst. · $0.2B of $39.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.16% | 1.94% | 2.14% | 2.32% | 2.36% | 2.57% | 2.51% | 2.38% | +6 bps | |
| Return on Equity | 15.42% | 13.50% | 14.91% | 16.17% | 16.16% | 17.69% | 16.86% | 15.10% | -107 bps | |
| Net Interest Margin | 5.47% | 5.70% | 5.51% | 5.54% | 5.59% | 5.67% | 5.66% | 5.87% | +34 bps | |
| Efficiency Ratio | 49.99% | 48.45% | 50.38% | 48.27% | 47.12% | 44.60% | 43.91% | 46.05% | -222 bps | |
| Non-Interest Burden | 2.52% | 2.52% | 2.57% | 2.46% | 2.42% | 2.30% | 2.28% | 2.49% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.95% | -6.79% | 4.85% | 8.91% | 11.95% | 18.84% | 7.67% | 5.80% | -310 bps | |
| Loan Growth (YoY) | 17.57% | 21.07% | 23.32% | 18.75% | 13.32% | 6.47% | 10.59% | 19.49% | +75 bps | |
| Deposit Growth (YoY) | -9.25% | -9.99% | 3.22% | 7.88% | 11.35% | 19.38% | 6.08% | 3.90% | -398 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.52% | 2.05% | 2.40% | 2.72% | 0.74% | 0.55% | 0.16% | 0.14% | -258 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.44% | 1.50% | 1.45% | 1.51% | 1.54% | 1.52% | 1.43% | 1.39% | -12 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.7x | 0.6x | 0.6x | 2.1x | 2.8x | 8.8x | 10.0x | +9.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.34% | 15.03% | 15.05% | 14.79% | 15.08% | 14.98% | 15.32% | 16.42% | +163 bps | |
| Total Risk-Based Capital | 20.34% | 19.13% | 19.31% | 20.66% | 21.79% | 22.15% | 21.72% | 21.22% | +57 bps | |
| Equity / Assets | 14.21% | 14.58% | 14.14% | 14.55% | 14.68% | 14.37% | 15.41% | 16.05% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.46% | 96.65% | 93.32% | 90.35% | 89.01% | 86.19% | 97.29% | 103.91% | +1,356 bps | |
| Liquid Assets / Assets | 9.51% | 3.92% | 10.02% | 14.73% | 16.62% | 18.60% | 10.76% | 6.09% | -865 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 251% | 242% | 242% | n/a | n/a | |