Erick, OK · Cert 4092 · Erick Bancshares Inc.
State charter, non-member · FDIC · 4 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 under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
76
Profitability
88
Liquidity
83
Efficiency
91
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.
Erick, OK · Cert 4092 · Erick Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.0% share · #54 of 59 inst. · $0.0B 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 | 3.72% | 3.87% | 2.84% | 3.01% | 2.89% | 2.82% | 2.23% | 2.26% | -75 bps | |
| Return on Equity | 27.53% | 28.32% | 20.48% | 21.87% | 20.83% | 19.93% | 15.31% | 15.64% | -623 bps | |
| Net Interest Margin | 6.76% | 6.73% | 5.64% | 5.59% | 5.57% | 5.57% | 4.95% | 4.94% | -66 bps | |
| Efficiency Ratio | 35.99% | 36.28% | 40.96% | 38.62% | 40.17% | 40.98% | 47.16% | 46.96% | +834 bps | |
| Non-Interest Burden | 2.10% | 2.10% | 2.02% | 1.88% | 1.98% | 2.01% | 2.09% | 2.08% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.81% | 5.42% | 6.97% | 9.05% | 9.66% | 8.16% | 4.20% | 3.02% | -603 bps | |
| Loan Growth (YoY) | 0.95% | -7.21% | -13.47% | -10.61% | -6.85% | -0.91% | 10.29% | 11.03% | +2,164 bps | |
| Deposit Growth (YoY) | 3.16% | 4.80% | 6.49% | 9.07% | 9.68% | 7.43% | 3.66% | 2.27% | -680 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.02% | 0.09% | 0.13% | 0.14% | 0.17% | 0.10% | 0.27% | +14 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.03% | 0.01% | 0.01% | -0.01% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 2.87% | 2.36% | 2.49% | 2.56% | 2.62% | 2.43% | 2.31% | 2.28% | -29 bps | |
| Allowance Coverage of NPLs | 457.8x | 107.6x | 27.3x | 20.4x | 18.5x | 14.6x | 22.7x | 8.5x | -11.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.58% | 14.18% | 13.84% | 13.54% | 13.86% | 14.96% | 14.20% | 14.16% | +63 bps | |
| Total Risk-Based Capital | 20.60% | 22.15% | 23.50% | 24.64% | 25.53% | 25.77% | 26.68% | 24.70% | +7 bps | |
| Equity / Assets | 13.97% | 14.42% | 13.37% | 13.60% | 14.20% | 15.28% | 13.95% | 14.18% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.56% | 74.25% | 62.75% | 60.89% | 62.48% | 68.48% | 66.75% | 66.11% | +522 bps | |
| Liquid Assets / Assets | 8.91% | 9.92% | 11.57% | 14.43% | 16.76% | 17.32% | 16.55% | 38.78% | +2,435 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 132.91% | 128.51% | 143.39% | n/a | n/a | |
Erick, OK · Cert 4092 · Peer group: banks under $1B in assets in OK (n=88-89) · Erick Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
2.21%
Rank 4 of 89
Net Interest Margin
4.94%
Rank 11 of 89
Efficiency Ratio
46.96%
Rank 9 of 89
Equity / Assets
14.18%
Rank 19 of 89
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.21% | 0.85% | 1.26% | 1.60% | Beats 96% | 4 / 89 | ||
| Return on Equity | 15.56% | 7.40% | 11.89% | 14.65% | Beats 81% | 17 / 89 | ||
| Net Interest Margin | 4.94% | 3.46% | 3.93% | 4.45% | Beats 88% | 11 / 89 | ||
| Efficiency Ratio | 46.96% | 54.70% | 60.95% | 71.14% | Beats 91% | 9 / 89 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.30% | 0.82% | 2.25% | Beats 78% | 20 / 88 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 73% | 25 / 88 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.44% | 10.89% | 13.00% | 16.33% | Beats 91% | 8 / 89 | ||
| Total Risk-Based Capital Ratio | 24.70% | 11.20% | 13.06% | 16.33% | Beats 91% | 8 / 89 | ||
| Equity / Assets | 14.18% | 9.26% | 10.94% | 13.52% | Beats 79% | 19 / 89 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.11% | 61.51% | 72.27% | 84.01% | 35th pctl | 57 / 88 | ||
| Loans / Assets | 56.10% | 52.51% | 63.15% | 71.27% | 35th pctl | 58 / 89 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||