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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 $15.1MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $196.3M22%Noninterest $56.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.20%, up 26 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 1.18% of loans (+66 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

1.20%+26 bps YoY

Net Interest Margin (quarter, annualized)

3.43%+17 bps YoY

Efficiency Ratio (quarter, annualized)

56.18%+190 bps YoY

Tier 1 Leverage Ratio

18.02%+50 bps YoY

NIM

4.56%Q2 ’244.65%Q2 ’254.58%Q2 ’26+7%+5%

Non-interest income vs. expense

2.03%Q2 ’242.08%Q2 ’252.24%Q2 ’26+5%+12%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.27%1.40%0.94%1.13%1.04%1.89%1.20%+26 bps
Return on Equity11.31%7.66%8.64%5.74%6.59%5.81%10.68%6.89%+114 bps
Net Interest Margin3.53%3.14%3.27%3.26%3.56%3.63%3.60%3.43%+17 bps
Efficiency Ratio45.52%65.77%55.57%54.28%52.37%60.34%43.13%56.18%+190 bps
Non-Interest Burden1.20%1.85%1.49%1.51%1.58%1.95%1.21%1.69%+18 bps
Growth
Asset Growth (YoY)0.52%0.40%1.10%4.16%0.94%-0.41%0.26%1.34%-282 bps
Loan Growth (YoY)2.91%8.05%9.08%12.44%19.66%16.15%8.09%3.79%-865 bps
Deposit Growth (YoY)-2.73%-1.36%-0.83%2.78%-0.26%-2.50%-1.19%0.28%-250 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.17%0.39%0.52%0.42%0.62%0.38%1.18%+66 bps
Net Charge-Offs / Loans-1.29%1.36%-0.19%1.49%0.27%0.38%0.82%0.00%-149 bps
Allowance / Loans2.45%1.99%1.95%1.73%1.85%2.02%1.94%1.95%+23 bps
Allowance Coverage of NPLs8.0x11.6x5.0x3.3x4.4x3.2x5.0x1.7x-1.7x
Capital
Tier 1 Leverage Ratio17.82%17.77%17.51%17.52%18.26%18.52%18.26%18.02%+50 bps
Total Risk-Based Capital17.82%17.77%17.51%17.52%18.26%18.52%18.26%18.02%+50 bps
Equity / Assets16.76%16.33%16.08%16.62%17.77%18.06%17.34%17.58%+96 bps
Liquidity & Funding
Loans / Deposits50.37%53.07%52.03%54.81%60.43%63.22%56.91%56.73%+192 bps
Liquid Assets / Assets4.67%4.83%4.51%4.59%4.80%4.92%4.45%4.48%-11 bps
CRE / Total Capitaln/an/an/an/a103.94%106.87%102.41%n/an/a