Elk City, OK · Cert 4087 · Western OK Bancshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
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 | 2.37% | 1.56% | 1.78% | 2.09% | 2.25% | 0.99% | 1.81% | 1.63% | -46 bps | |
| Return on Equity | 26.45% | 17.75% | 20.95% | 24.75% | 26.78% | 11.78% | 21.49% | 19.24% | -551 bps | |
| Net Interest Margin | 5.68% | 5.04% | 4.91% | 5.28% | 5.28% | 5.06% | 4.72% | 4.62% | -65 bps | |
| Efficiency Ratio | 46.79% | 57.76% | 53.36% | 45.43% | 46.72% | 50.15% | 51.55% | 48.13% | +270 bps | |
| Non-Interest Burden | 2.54% | 2.85% | 2.52% | 2.22% | 2.37% | 2.48% | 2.34% | 2.13% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.68% | 8.27% | 8.69% | 12.34% | 15.63% | 12.51% | 13.34% | 8.64% | -370 bps | |
| Loan Growth (YoY) | 9.59% | 6.99% | 10.98% | 18.95% | 20.82% | 17.61% | 10.48% | 1.87% | -1,707 bps | |
| Deposit Growth (YoY) | 2.00% | 8.62% | 9.02% | 12.92% | 16.58% | 12.60% | 13.48% | 8.63% | -429 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.11% | 2.13% | 2.63% | 1.88% | 0.88% | 0.30% | 0.36% | 0.11% | -177 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.06% | -0.02% | 0.09% | 1.25% | -0.06% | 1.07% | +110 bps | |
| Allowance / Loans | 0.82% | 0.86% | 0.83% | 0.87% | 0.81% | 0.94% | 0.96% | 0.81% | -6 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.3x | 0.5x | 0.9x | 3.2x | 2.7x | 7.5x | +7.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.56% | 8.34% | 8.06% | 8.07% | 8.07% | 7.82% | 8.16% | 8.06% | -1 bps | |
| Total Risk-Based Capital | 11.85% | 11.80% | 11.32% | 10.64% | 10.61% | 11.39% | 11.49% | 11.20% | +57 bps | |
| Equity / Assets | 9.14% | 8.46% | 8.55% | 8.37% | 8.46% | 8.39% | 8.45% | 8.49% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.98% | 86.18% | 91.00% | 93.35% | 95.32% | 90.01% | 88.59% | 87.55% | -580 bps | |
| Liquid Assets / Assets | 2.51% | 8.28% | 4.28% | 5.35% | 3.56% | 8.91% | 9.93% | 12.09% | +674 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 190.29% | 230% | 235% | n/a | n/a | |