Carnegie, OK · Cert 4054
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #60 of 71 inst. · $0.0B 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 | 0.74% | 0.70% | 0.77% | 0.88% | 0.99% | 1.04% | 0.94% | 0.90% | +2 bps | |
| Return on Equity | 6.61% | 6.29% | 7.50% | 8.60% | 9.65% | 9.77% | 7.94% | 7.97% | -63 bps | |
| Net Interest Margin | 4.31% | 4.09% | 4.08% | 4.00% | 4.06% | 3.98% | 4.24% | 4.18% | +18 bps | |
| Efficiency Ratio | 74.99% | 76.13% | 71.88% | 69.67% | 66.88% | 65.36% | 67.27% | 67.87% | -180 bps | |
| Non-Interest Burden | 3.17% | 3.07% | 2.88% | 2.73% | 2.66% | 2.54% | 2.79% | 2.78% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.68% | 14.67% | 27.41% | 23.19% | 19.19% | 25.63% | 18.63% | 34.87% | +1,169 bps | |
| Loan Growth (YoY) | 24.87% | 31.01% | 31.59% | 31.90% | 23.96% | 23.47% | 24.74% | 33.29% | +139 bps | |
| Deposit Growth (YoY) | 5.10% | 5.83% | 30.22% | 25.00% | 29.37% | 35.69% | 13.20% | 31.56% | +657 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.42% | 0.38% | 0.35% | 0.34% | 0.68% | 0.43% | 0.32% | -3 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.12% | -0.01% | -0.01% | 0.00% | 0.00% | 0.06% | 0.03% | +4 bps | |
| Allowance / Loans | 1.38% | 1.31% | 1.27% | 1.24% | 1.24% | 1.23% | 1.18% | 1.09% | -15 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.2x | 3.3x | 3.5x | 3.7x | 1.8x | 2.8x | 3.4x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.07% | 11.78% | 10.85% | 10.28% | 10.55% | 12.48% | 12.11% | 11.58% | +130 bps | |
| Total Risk-Based Capital | 12.07% | 11.78% | 10.85% | 10.28% | 10.55% | 12.48% | 12.11% | 11.58% | +130 bps | |
| Equity / Assets | 10.70% | 10.82% | 9.86% | 10.11% | 10.26% | 12.11% | 11.58% | 10.41% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.12% | 109.85% | 93.70% | 99.62% | 99.77% | 99.97% | 103.24% | 100.93% | +131 bps | |
| Liquid Assets / Assets | 2.28% | 2.40% | 2.21% | 2.33% | 4.17% | 2.27% | 4.66% | 3.46% | +112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 294% | 267% | 289% | n/a | n/a | |