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 | |