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 | |