Oklahoma City, OK · Cert 4063 · G Jeffrey Records Jr 2020 Family Tr
State savings bank · OCC · 94 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 23.5% share · #1 of 71 inst. · $14.3B 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 | 0.82% | 0.87% | 0.89% | 0.95% | 0.94% | 0.96% | 1.12% | 1.18% | +22 bps | |
| Return on Equity | 8.31% | 8.86% | 9.15% | 10.01% | 10.01% | 10.19% | 11.73% | 12.21% | +219 bps | |
| Net Interest Margin | 2.44% | 2.44% | 2.63% | 2.63% | 2.63% | 2.66% | 2.75% | 2.82% | +19 bps | |
| Efficiency Ratio | 60.70% | 58.82% | 57.80% | 56.90% | 57.23% | 57.08% | 53.86% | 52.70% | -420 bps | |
| Non-Interest Burden | 1.35% | 1.30% | 1.38% | 1.34% | 1.35% | 1.38% | 1.28% | 1.27% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.55% | 6.65% | 6.98% | 6.62% | 5.45% | 5.83% | 6.55% | 5.91% | -71 bps | |
| Loan Growth (YoY) | 4.98% | 6.48% | 6.67% | 6.48% | 2.54% | -0.60% | 3.14% | 1.65% | -483 bps | |
| Deposit Growth (YoY) | 10.15% | 7.20% | -0.27% | 7.52% | 4.44% | -1.03% | 1.49% | 2.39% | -513 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 9.99% | 12.15% | 14.53% | 13.01% | 11.25% | 14.74% | 19.44% | 18.31% | +530 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.03% | 0.06% | +6 bps | |
| Allowance / Loans | 0.67% | 0.67% | 0.68% | 0.68% | 0.70% | 0.69% | 0.67% | 0.65% | -3 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.0x | 0.1x | 0.1x | 0.0x | 0.0x | 0.0x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.77% | 8.78% | 8.95% | 8.86% | 8.86% | 9.04% | 9.10% | 9.01% | +16 bps | |
| Total Risk-Based Capital | 18.97% | 18.94% | 19.09% | 18.96% | 19.11% | 19.75% | 19.68% | 19.48% | +52 bps | |
| Equity / Assets | 9.03% | 9.85% | 9.60% | 9.16% | 9.11% | 9.44% | 9.70% | 9.78% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 131.14% | 129.64% | 133.93% | 133.32% | 128.75% | 130.21% | 136.11% | 132.36% | -96 bps | |
| Liquid Assets / Assets | 1.43% | 1.25% | 1.18% | 1.26% | 1.25% | 1.02% | 0.99% | 1.20% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 252% | 244% | 238% | n/a | n/a | |