Coweta, OK · Cert 4071 · First Coweta Corp.
State charter, Fed member · FED · 1 branch
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 the Tulsa, OK area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
84
Profitability
69
Liquidity
17
Efficiency
83
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.
Coweta, OK · Cert 4071 · First Coweta Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.3% share · #39 of 59 inst. · $0.1B of $39.3B
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 | 1.21% | 1.20% | 1.39% | 1.60% | 1.72% | 1.54% | 1.75% | 1.70% | +10 bps | |
| Return on Equity | 18.91% | 18.35% | 18.93% | 20.99% | 21.58% | 19.04% | 20.13% | 19.14% | -185 bps | |
| Net Interest Margin | 3.61% | 3.65% | 4.08% | 4.06% | 4.03% | 4.04% | 4.36% | 4.42% | +36 bps | |
| Efficiency Ratio | 56.58% | 59.76% | 55.79% | 52.09% | 49.93% | 52.71% | 48.16% | 49.71% | -238 bps | |
| Non-Interest Burden | 1.77% | 1.95% | 2.12% | 1.88% | 1.75% | 1.91% | 1.91% | 2.02% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.17% | -1.19% | 5.45% | 10.25% | 10.40% | 11.71% | 5.63% | 7.96% | -229 bps | |
| Loan Growth (YoY) | 9.97% | 18.68% | 22.47% | 28.43% | 30.71% | 17.85% | 13.20% | 9.55% | -1,888 bps | |
| Deposit Growth (YoY) | -2.74% | -0.32% | 7.97% | 10.74% | 11.32% | 11.72% | 4.11% | 6.77% | -397 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.73% | 0.65% | 0.61% | 0.61% | 0.00% | 0.00% | 0.00% | 0.00% | -61 bps | |
| Net Charge-Offs / Loans | -0.88% | -0.84% | -0.04% | -0.02% | -0.01% | 0.03% | 0.03% | 0.01% | +2 bps | |
| Allowance / Loans | 2.03% | 1.50% | 1.47% | 1.51% | 1.52% | 1.58% | 1.63% | 1.75% | +24 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.3x | 2.4x | 2.5x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.38% | 9.90% | 10.19% | 10.51% | 10.67% | 9.95% | 10.60% | 11.17% | +67 bps | |
| Total Risk-Based Capital | 10.38% | 9.90% | 10.19% | 10.51% | 10.67% | 9.95% | 10.60% | 11.17% | +67 bps | |
| Equity / Assets | 7.89% | 7.15% | 7.52% | 8.19% | 9.00% | 8.55% | 8.85% | 9.22% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.12% | 57.38% | 56.77% | 57.99% | 61.20% | 60.52% | 61.73% | 59.50% | +151 bps | |
| Liquid Assets / Assets | 17.70% | 16.80% | 18.90% | 18.57% | 17.42% | 19.21% | 19.35% | 22.62% | +405 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 303% | 302% | 287% | n/a | n/a | |
Coweta, OK · Cert 4071 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18) · First Coweta Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
1.67%
Rank 7 of 18
Net Interest Margin
4.42%
Rank 8 of 18
Efficiency Ratio
49.71%
Rank 4 of 18
Equity / Assets
9.22%
Rank 16 of 18
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.67% | 0.94% | 1.44% | 1.74% | Beats 61% | 7 / 18 | ||
| Return on Equity | 18.13% | 9.63% | 12.74% | 15.04% | Beats 89% | 2 / 18 | ||
| Net Interest Margin | 4.42% | 3.75% | 4.31% | 4.83% | Beats 56% | 8 / 18 | ||
| Efficiency Ratio | 49.71% | 53.05% | 62.57% | 69.59% | Beats 83% | 4 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.41% | 0.86% | Beats 100% | 3 / 18 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 67% | 7 / 18 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.17% | 11.17% | 13.04% | 15.32% | Beats 22% | 14 / 18 | ||
| Total Risk-Based Capital Ratio | 11.17% | 11.17% | 13.81% | 15.32% | Beats 22% | 14 / 18 | ||
| Equity / Assets | 9.22% | 9.28% | 11.57% | 13.43% | Beats 11% | 16 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.50% | 72.39% | 85.72% | 91.52% | 11th pctl | 16 / 18 | ||
| Loans / Assets | 53.87% | 60.70% | 74.00% | 81.85% | 11th pctl | 16 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||