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 (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 | 2.02% | 2.26% | 2.12% | 2.01% | 1.86% | -16 bps | |
| Return on Equity | 25.59% | 25.79% | 26.32% | 28.72% | 26.75% | +116 bps | |
| Net Interest Margin | 3.43% | 3.70% | 3.69% | 3.15% | 3.03% | -41 bps | |
| Efficiency Ratio | 45.31% | 46.33% | 45.03% | 41.13% | 46.28% | +97 bps | |
| Non-Interest Burden | 0.23% | 0.31% | 0.29% | 0.02% | 0.14% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.95% | 2.67% | 23.61% | 29.55% | 42.01% | +4,696 bps | |
| Loan Growth (YoY) | 11.76% | 9.00% | 23.97% | 35.26% | 46.11% | +3,436 bps | |
| Deposit Growth (YoY) | -8.15% | 0.91% | 24.00% | 30.50% | 44.97% | +5,312 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.73% | 0.58% | 0.76% | 0.60% | 0.48% | -25 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.01% | 0.00% | 0.08% | 0.00% | +6 bps | |
| Allowance / Loans | 0.57% | 0.58% | 0.51% | 0.44% | 0.42% | -15 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.0x | 0.7x | 0.7x | 0.9x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.29% | 10.06% | 9.61% | 8.15% | 8.37% | -92 bps | |
| Total Risk-Based Capital | 20.46% | 20.51% | 18.65% | 19.81% | 19.84% | -61 bps | |
| Equity / Assets | 8.62% | 8.92% | 7.37% | 6.66% | 7.26% | -136 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.25% | 99.79% | 92.71% | 93.15% | 101.04% | +79 bps | |
| Liquid Assets / Assets | 1.76% | 1.83% | 0.88% | 7.10% | 0.83% | -93 bps | |
| CRE / Total Capital | n/a | 256% | 264% | 253% | n/a | n/a | |