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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.79% | 1.96% | 1.00% | 1.75% | 1.66% | -14 bps | |
| Return on Equity | 22.84% | 22.83% | 11.43% | 20.13% | 18.32% | -452 bps | |
| Net Interest Margin | 4.14% | 4.31% | 4.32% | 4.36% | 4.46% | +32 bps | |
| Efficiency Ratio | 48.75% | 46.11% | 60.77% | 48.16% | 51.24% | +249 bps | |
| Non-Interest Burden | 1.69% | 1.64% | 2.51% | 1.91% | 2.11% | +42 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.25% | 10.40% | 11.71% | 5.63% | 7.96% | -229 bps | |
| Loan Growth (YoY) | 28.43% | 30.71% | 17.85% | 13.20% | 9.55% | -1,888 bps | |
| Deposit Growth (YoY) | 10.74% | 11.32% | 11.72% | 4.11% | 6.77% | -397 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 0.00% | 0.00% | 0.00% | 0.00% | -61 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.14% | 0.03% | -0.02% | -2 bps | |
| Allowance / Loans | 1.51% | 1.52% | 1.58% | 1.63% | 1.75% | +24 bps | |
| Allowance Coverage of NPLs | 2.5x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.51% | 10.67% | 9.95% | 10.60% | 11.17% | +67 bps | |
| Total Risk-Based Capital | 10.51% | 10.67% | 9.95% | 10.60% | 11.17% | +67 bps | |
| Equity / Assets | 8.19% | 9.00% | 8.55% | 8.85% | 9.22% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.99% | 61.20% | 60.52% | 61.73% | 59.50% | +151 bps | |
| Liquid Assets / Assets | 18.57% | 17.42% | 19.21% | 19.35% | 22.62% | +405 bps | |
| CRE / Total Capital | n/a | 303% | 302% | 287% | n/a | n/a | |