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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.17% | 1.39% | 1.79% | 1.96% | 1.00% | 1.75% | 1.66% | -14 bps | |
| Return on Equity | 17.66% | 15.56% | 18.93% | 22.84% | 22.83% | 11.43% | 20.13% | 18.32% | -452 bps | |
| Net Interest Margin | 3.55% | 3.95% | 4.08% | 4.14% | 4.31% | 4.32% | 4.36% | 4.46% | +32 bps | |
| Efficiency Ratio | 50.73% | 68.92% | 55.79% | 48.75% | 46.11% | 60.77% | 48.16% | 51.24% | +249 bps | |
| Non-Interest Burden | 1.24% | 2.60% | 2.12% | 1.69% | 1.64% | 2.51% | 1.91% | 2.11% | +42 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 | -2.62% | -1.03% | -0.04% | 0.00% | 0.00% | 0.14% | 0.03% | -0.02% | -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 | |