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 (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 | 3.14% | 2.62% | 2.56% | 2.23% | 2.27% | -87 bps | |
| Return on Equity | 23.28% | 18.82% | 17.34% | 15.31% | 16.13% | -715 bps | |
| Net Interest Margin | 5.86% | 5.51% | 5.23% | 4.95% | 5.05% | -81 bps | |
| Efficiency Ratio | 36.47% | 43.36% | 43.57% | 47.16% | 46.78% | +1,030 bps | |
| Non-Interest Burden | 1.86% | 2.17% | 1.98% | 2.09% | 2.13% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.05% | 9.66% | 8.16% | 4.20% | 3.02% | -603 bps | |
| Loan Growth (YoY) | -10.61% | -6.85% | -0.91% | 10.29% | 11.03% | +2,164 bps | |
| Deposit Growth (YoY) | 9.07% | 9.68% | 7.43% | 3.66% | 2.27% | -680 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.14% | 0.17% | 0.10% | 0.27% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.08% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 2.56% | 2.62% | 2.43% | 2.31% | 2.28% | -29 bps | |
| Allowance Coverage of NPLs | 20.4x | 18.5x | 14.6x | 22.7x | 8.5x | -11.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.54% | 13.86% | 14.96% | 14.20% | 14.16% | +63 bps | |
| Total Risk-Based Capital | 24.64% | 25.53% | 25.77% | 26.68% | 24.70% | +7 bps | |
| Equity / Assets | 13.60% | 14.20% | 15.28% | 13.95% | 14.18% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.89% | 62.48% | 68.48% | 66.75% | 66.11% | +522 bps | |
| Liquid Assets / Assets | 14.43% | 16.76% | 17.32% | 16.55% | 38.78% | +2,435 bps | |
| CRE / Total Capital | n/a | 132.91% | 128.51% | 143.39% | n/a | n/a | |