Cherokee, OK · Cert 4061 · Alfalfa County Bancshares Inc.
State charter, non-member · FDIC · 3 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 OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
20
Profitability
39
Liquidity
9
Efficiency
53
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.
Cherokee, OK · Cert 4061 · Alfalfa County Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Enid, OK · 2026 SOD (annual) · 0.5% share · #9 of 14 inst. · $0.0B of $5.8B
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 | 0.57% | 0.50% | 0.96% | 1.03% | 1.32% | 1.26% | 1.45% | 1.10% | +6 bps | |
| Return on Equity | 5.45% | 4.75% | 8.99% | 9.65% | 12.16% | 11.46% | 12.53% | 9.34% | -31 bps | |
| Net Interest Margin | 3.40% | 3.33% | 3.51% | 3.69% | 3.86% | 4.07% | 3.91% | 3.71% | +2 bps | |
| Efficiency Ratio | 66.78% | 67.20% | 65.66% | 62.90% | 58.71% | 62.68% | 55.98% | 60.76% | -214 bps | |
| Non-Interest Burden | 2.13% | 2.09% | 2.17% | 2.18% | 2.12% | 2.43% | 2.07% | 2.15% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.64% | 1.41% | -1.53% | 1.53% | 5.37% | 3.91% | 7.31% | -3.20% | -473 bps | |
| Loan Growth (YoY) | 3.16% | -2.68% | -4.37% | -0.07% | 1.12% | 5.58% | 3.24% | -0.96% | -90 bps | |
| Deposit Growth (YoY) | 2.65% | -0.26% | -3.09% | -0.69% | 3.57% | 1.14% | 2.32% | 2.08% | +277 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.86% | 3.55% | 3.48% | 3.37% | 2.19% | 0.21% | 0.14% | 1.77% | -160 bps | |
| Net Charge-Offs / Loans | 1.35% | 1.49% | 0.08% | 0.04% | 0.03% | 0.09% | 1.32% | 1.08% | +104 bps | |
| Allowance / Loans | 2.20% | 2.07% | 2.11% | 2.13% | 2.11% | 1.99% | 1.71% | 1.66% | -47 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.6x | 0.6x | 0.6x | 1.0x | 9.4x | 12.5x | 0.9x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.46% | 11.35% | 11.62% | 12.20% | 12.01% | 12.07% | 12.41% | 12.24% | +4 bps | |
| Total Risk-Based Capital | 11.46% | 11.35% | 11.62% | 12.20% | 12.01% | 12.07% | 12.41% | 12.24% | +4 bps | |
| Equity / Assets | 10.94% | 10.40% | 10.98% | 10.77% | 11.34% | 11.44% | 11.76% | 12.09% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.24% | 90.47% | 90.69% | 92.62% | 92.00% | 94.44% | 91.50% | 89.86% | -276 bps | |
| Liquid Assets / Assets | 0.22% | 0.21% | 0.18% | 0.20% | 0.11% | 0.07% | 0.10% | 0.39% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 133.78% | 135.85% | 115.61% | n/a | n/a | |
Cherokee, OK · Cert 4061 · Peer group: banks under $1B in assets in OK (n=88-89) · Alfalfa County Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.14%
Rank 53 of 89
Net Interest Margin
3.71%
Rank 56 of 89
Efficiency Ratio
60.76%
Rank 43 of 89
Equity / Assets
12.09%
Rank 34 of 89
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.85% | 1.26% | 1.60% | Beats 40% | 53 / 89 | ||
| Return on Equity | 9.44% | 7.40% | 11.89% | 14.65% | Beats 40% | 53 / 89 | ||
| Net Interest Margin | 3.71% | 3.46% | 3.93% | 4.45% | Beats 37% | 56 / 89 | ||
| Efficiency Ratio | 60.76% | 54.70% | 60.95% | 71.14% | Beats 53% | 43 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.77% | 0.30% | 0.82% | 2.25% | Beats 30% | 63 / 88 | ||
| Net Charge-Offs / Loans | 0.56% | 0.00% | 0.03% | 0.20% | Beats 10% | 80 / 88 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.24% | 10.89% | 13.00% | 16.33% | Beats 42% | 52 / 89 | ||
| Total Risk-Based Capital Ratio | 12.24% | 11.20% | 13.06% | 16.33% | Beats 40% | 53 / 89 | ||
| Equity / Assets | 12.09% | 9.26% | 10.94% | 13.52% | Beats 62% | 34 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.86% | 61.51% | 72.27% | 84.01% | 88th pctl | 11 / 88 | ||
| Loans / Assets | 76.13% | 52.51% | 63.15% | 71.27% | 88th pctl | 11 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||