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 (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 | 0.70% | 0.28% | 0.96% | 1.12% | 1.88% | 1.06% | 1.45% | 0.72% | -40 bps | |
| Return on Equity | 6.57% | 2.58% | 8.99% | 10.31% | 17.03% | 9.28% | 12.53% | 6.06% | -425 bps | |
| Net Interest Margin | 3.39% | 3.22% | 3.51% | 3.80% | 4.57% | 4.68% | 3.91% | 3.46% | -34 bps | |
| Efficiency Ratio | 69.64% | 68.43% | 65.66% | 60.27% | 52.17% | 72.90% | 55.98% | 66.21% | +594 bps | |
| Non-Interest Burden | 2.22% | 2.02% | 2.17% | 2.15% | 2.21% | 3.35% | 2.07% | 2.21% | +5 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 | 2.93% | 1.86% | 0.08% | 0.00% | 0.01% | 0.25% | 1.32% | 0.83% | +82 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 | |