Calumet, OK · Cert 4051 · Allnations Bcorp Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #56 of 71 inst. · $0.1B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | 1.72% | 1.08% | 1.03% | 1.21% | 0.02% | 1.28% | 1.03% | 0 bps | |
| Return on Equity | -1.38% | 19.94% | 12.85% | 12.44% | 14.51% | 0.18% | 15.68% | 12.86% | +42 bps | |
| Net Interest Margin | 3.31% | 4.67% | 4.34% | 4.29% | 4.45% | 3.36% | 4.45% | 4.25% | -4 bps | |
| Efficiency Ratio | 99.48% | 76.09% | 64.88% | 64.58% | 61.45% | 93.06% | 60.25% | 65.57% | +99 bps | |
| Non-Interest Burden | 3.29% | 3.50% | 2.75% | 2.72% | 2.67% | 3.12% | 2.60% | 2.73% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.90% | 22.41% | 20.16% | 11.42% | 23.81% | 16.00% | 17.93% | 13.72% | +229 bps | |
| Loan Growth (YoY) | 20.59% | 22.26% | 19.11% | 17.80% | 24.35% | 23.01% | 25.63% | 24.41% | +660 bps | |
| Deposit Growth (YoY) | 21.24% | 23.21% | 20.62% | 10.87% | 23.80% | 15.76% | 18.14% | 13.79% | +292 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 11.25% | 4.94% | 5.09% | 6.48% | 5.95% | 8.89% | 8.23% | 7.87% | +138 bps | |
| Net Charge-Offs / Loans | -0.28% | -1.01% | 0.00% | 0.00% | -0.03% | 0.66% | 0.00% | -0.02% | -2 bps | |
| Allowance / Loans | 2.53% | 2.13% | 2.26% | 2.27% | 2.17% | 1.87% | 1.95% | 1.99% | -28 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.4x | 0.4x | 0.3x | 0.4x | 0.2x | 0.2x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.67% | 9.05% | 8.69% | 8.52% | 8.52% | 8.32% | 8.32% | 8.31% | -21 bps | |
| Total Risk-Based Capital | 15.70% | 15.28% | 15.43% | 16.26% | 15.77% | 13.14% | 14.43% | 15.25% | -101 bps | |
| Equity / Assets | 8.68% | 8.62% | 8.21% | 8.40% | 8.30% | 8.56% | 7.86% | 8.20% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.22% | 67.96% | 59.73% | 60.86% | 62.50% | 72.21% | 63.51% | 66.54% | +568 bps | |
| Liquid Assets / Assets | 6.86% | 2.42% | 2.78% | 1.55% | 3.24% | 1.64% | 1.79% | 3.38% | +183 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 131.73% | 209% | 202% | n/a | n/a | |