Eufaula, OK · Cert 4094 · S N B Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
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 | -1.21% | -1.04% | 0.15% | 0.09% | 0.06% | 0.05% | -0.06% | -0.04% | -13 bps | |
| Return on Equity | -16.80% | -14.46% | 1.86% | 1.13% | 0.72% | 0.57% | -0.57% | -0.33% | -146 bps | |
| Net Interest Margin | 3.00% | 3.03% | 2.90% | 3.14% | 3.15% | 3.27% | 3.14% | 3.13% | 0 bps | |
| Efficiency Ratio | 91.98% | 104.69% | 89.61% | 93.54% | 95.57% | 97.35% | 102.12% | 101.23% | +768 bps | |
| Non-Interest Burden | 2.74% | 3.19% | 2.54% | 2.91% | 2.99% | 3.17% | 3.21% | 3.18% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.23% | -14.11% | -8.95% | -5.83% | -6.22% | -10.20% | -11.10% | -9.03% | -320 bps | |
| Loan Growth (YoY) | -24.69% | -25.42% | -21.32% | -21.21% | -15.84% | -14.49% | -8.71% | -2.50% | +1,871 bps | |
| Deposit Growth (YoY) | -15.30% | -14.62% | -10.50% | -7.68% | -8.89% | -13.61% | -13.97% | -11.33% | -365 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 7.06% | 8.20% | 7.14% | 2.65% | 2.24% | 1.11% | 0.42% | 0.46% | -219 bps | |
| Net Charge-Offs / Loans | 8.41% | 7.11% | -0.35% | 0.66% | 0.66% | 0.55% | -0.02% | 0.02% | -65 bps | |
| Allowance / Loans | 2.59% | 2.18% | 2.58% | 2.33% | 2.11% | 2.14% | 2.22% | 2.19% | -14 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.3x | 0.4x | 0.9x | 0.9x | 1.9x | 5.2x | 4.8x | +3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.69% | 9.70% | 9.81% | 10.11% | 11.19% | 11.89% | 12.24% | 12.10% | +198 bps | |
| Total Risk-Based Capital | 9.69% | 9.70% | 9.81% | 10.11% | 11.19% | 11.89% | 12.24% | 12.10% | +198 bps | |
| Equity / Assets | 8.15% | 7.23% | 8.47% | 8.70% | 10.58% | 10.67% | 11.38% | 10.94% | +224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.33% | 28.43% | 28.71% | 27.45% | 28.94% | 28.14% | 30.47% | 30.19% | +274 bps | |
| Liquid Assets / Assets | 3.24% | 3.10% | 3.05% | 3.05% | 2.75% | 2.53% | 2.11% | 1.75% | -130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 57.38% | 65.79% | 65.99% | n/a | n/a | |