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Stock Exchange Bank, The

Woodward, OK · Cert 414

State charter, non-member · FDIC · 3 branches

Q2 2026

$309.7MAssets
$143.3MLoans
$252.7MDeposits
$54.4MEquity
Loan mix
70%RE $84.3M17%C&I $21.0M13%Consumer $15.1MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $196.3M22%Noninterest $56.3MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.66%Q2 ’254.61%Q2 ’26+4%+7%

Non-interest income vs. expense

2.09%Q2 ’242.14%Q2 ’252.00%Q2 ’26-2%-4%

Executive Summary

  • Earnings: ROA of 1.55%, up 38 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 1.18% of loans (+66 bps YoY), with net charge-offs at 0.41%.
  • Capital: tier 1 leverage ratio of 18.02%, up 50 bps from a year ago.
  • Funding: loans stand at 56.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.55%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+22 bps YoY

Efficiency Ratio (YTD, annualized)

49.59%-535 bps YoY

Tier 1 Leverage Ratio

18.02%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.16%1.13%1.89%1.55%+38 bps
Return on Equity7.18%6.97%6.69%10.68%8.78%+160 bps
Net Interest Margin3.24%3.40%3.52%3.60%3.46%+22 bps
Efficiency Ratio54.94%54.06%55.66%43.13%49.59%-535 bps
Non-Interest Burden1.49%1.55%1.67%1.21%1.43%-6 bps
Growth
Asset Growth (YoY)4.16%0.94%-0.41%0.26%1.34%-282 bps
Loan Growth (YoY)12.44%19.66%16.15%8.09%3.79%-865 bps
Deposit Growth (YoY)2.78%-0.26%-2.50%-1.19%0.28%-250 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.42%0.62%0.38%1.18%+66 bps
Net Charge-Offs / Loans0.66%0.51%0.47%0.82%0.41%-24 bps
Allowance / Loans1.73%1.85%2.02%1.94%1.95%+23 bps
Allowance Coverage of NPLs3.3x4.4x3.2x5.0x1.7x-1.7x
Capital
Tier 1 Leverage Ratio17.52%18.26%18.52%18.26%18.02%+50 bps
Total Risk-Based Capital17.52%18.26%18.52%18.26%18.02%+50 bps
Equity / Assets16.62%17.77%18.06%17.34%17.58%+96 bps
Liquidity & Funding
Loans / Deposits54.81%60.43%63.22%56.91%56.73%+192 bps
Liquid Assets / Assets4.59%4.80%4.92%4.45%4.48%-11 bps
CRE / Total Capitaln/a103.94%106.87%102.41%n/an/a