Enid, OK · Cert 4091 · Central Service Corp.
National charter · OCC · 11 branches
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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
55
Profitability
71
Liquidity
3
Efficiency
92
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.
Enid, OK · Cert 4091 · Central Service Corp.
National charter · OCC · 11 branches
Q2 2026
Market Position · Enid, OK · 2026 SOD (annual) · 79.6% share · #1 of 14 inst. · $4.7B of $5.8B
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 | 1.95% | 1.98% | 2.15% | 2.12% | 2.16% | 2.10% | 2.01% | 1.96% | -16 bps | |
| Return on Equity | 31.03% | 30.26% | 29.02% | 27.29% | 26.78% | 26.65% | 28.72% | 27.72% | +43 bps | |
| Net Interest Margin | 3.33% | 3.27% | 3.40% | 3.52% | 3.68% | 3.45% | 3.15% | 3.06% | -46 bps | |
| Efficiency Ratio | 41.63% | 42.35% | 43.23% | 44.26% | 44.96% | 44.98% | 41.13% | 43.74% | -51 bps | |
| Non-Interest Burden | 0.02% | 0.05% | 0.19% | 0.21% | 0.25% | 0.24% | 0.02% | 0.08% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.59% | 6.34% | -4.60% | -4.95% | 2.67% | 23.61% | 29.55% | 42.01% | +4,696 bps | |
| Loan Growth (YoY) | 34.01% | 19.28% | 8.92% | 11.76% | 9.00% | 23.97% | 35.26% | 46.11% | +3,436 bps | |
| Deposit Growth (YoY) | 14.53% | 5.48% | -6.59% | -8.15% | 0.91% | 24.00% | 30.50% | 44.97% | +5,312 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.61% | 0.69% | 0.73% | 0.58% | 0.76% | 0.60% | 0.48% | -25 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.14% | -0.02% | -0.04% | -0.02% | -0.01% | 0.08% | 0.04% | +8 bps | |
| Allowance / Loans | 0.49% | 0.51% | 0.50% | 0.57% | 0.58% | 0.51% | 0.44% | 0.42% | -15 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.7x | 0.8x | 1.0x | 0.7x | 0.7x | 0.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.40% | 8.64% | 8.41% | 9.29% | 10.06% | 9.61% | 8.15% | 8.37% | -92 bps | |
| Total Risk-Based Capital | 19.56% | 19.37% | 20.00% | 20.46% | 20.51% | 18.65% | 19.81% | 19.84% | -61 bps | |
| Equity / Assets | 7.59% | 7.59% | 7.24% | 8.62% | 8.92% | 7.37% | 6.66% | 7.26% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.39% | 92.73% | 89.87% | 100.25% | 99.79% | 92.71% | 93.15% | 101.04% | +79 bps | |
| Liquid Assets / Assets | 2.89% | 3.73% | 9.16% | 1.76% | 1.83% | 0.88% | 7.10% | 0.83% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 256% | 264% | 253% | n/a | n/a | |
Enid, OK · Cert 4091 · Peer group: banks $1B-$10B in assets (n=322-328) · Central Service Corp.
National charter · OCC · 11 branches
Q2 2026
Return on Assets
1.92%
Rank 29 of 328
Net Interest Margin
3.06%
Rank 242 of 328
Efficiency Ratio
43.74%
Rank 28 of 328
Equity / Assets
7.26%
Rank 320 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.92% | 0.91% | 1.22% | 1.52% | Beats 91% | 29 / 328 | ||
| Return on Equity | 26.47% | 8.43% | 11.45% | 14.43% | Beats 97% | 10 / 328 | ||
| Net Interest Margin | 3.06% | 3.03% | 3.45% | 3.83% | Beats 26% | 242 / 328 | ||
| Efficiency Ratio | 43.74% | 51.61% | 59.56% | 67.53% | Beats 92% | 28 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.24% | 0.51% | 1.03% | Beats 53% | 152 / 322 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 57% | 141 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.76% | 11.75% | 13.15% | 15.47% | Beats 88% | 40 / 328 | ||
| Total Risk-Based Capital Ratio | 19.84% | 12.63% | 14.15% | 16.46% | Beats 88% | 38 / 328 | ||
| Equity / Assets | 7.26% | 9.15% | 10.33% | 12.01% | Beats 2% | 320 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.04% | 76.63% | 87.92% | 95.36% | 89th pctl | 36 / 323 | ||
| Loans / Assets | 92.45% | 65.18% | 74.15% | 79.98% | 98th pctl | 6 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||