Woodward, OK · Cert 414
State charter, non-member · FDIC · 3 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 | 1.38% | 1.36% | 1.40% | 1.17% | 1.16% | 1.13% | 1.89% | 1.55% | +38 bps | |
| Return on Equity | 8.98% | 8.69% | 8.64% | 7.18% | 6.97% | 6.69% | 10.68% | 8.78% | +160 bps | |
| Net Interest Margin | 3.28% | 3.25% | 3.27% | 3.24% | 3.40% | 3.52% | 3.60% | 3.46% | +22 bps | |
| Efficiency Ratio | 52.47% | 55.69% | 55.57% | 54.94% | 54.06% | 55.66% | 43.13% | 49.59% | -535 bps | |
| Non-Interest Burden | 1.42% | 1.53% | 1.49% | 1.49% | 1.55% | 1.67% | 1.21% | 1.43% | -6 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 / Loans | 0.30% | 0.17% | 0.39% | 0.52% | 0.42% | 0.62% | 0.38% | 1.18% | +66 bps | |
| Net Charge-Offs / Loans | -0.41% | 0.05% | -0.19% | 0.66% | 0.51% | 0.47% | 0.82% | 0.41% | -24 bps | |
| Allowance / Loans | 2.45% | 1.99% | 1.95% | 1.73% | 1.85% | 2.02% | 1.94% | 1.95% | +23 bps | |
| Allowance Coverage of NPLs | 8.0x | 11.6x | 5.0x | 3.3x | 4.4x | 3.2x | 5.0x | 1.7x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.82% | 17.77% | 17.51% | 17.52% | 18.26% | 18.52% | 18.26% | 18.02% | +50 bps | |
| Total Risk-Based Capital | 17.82% | 17.77% | 17.51% | 17.52% | 18.26% | 18.52% | 18.26% | 18.02% | +50 bps | |
| Equity / Assets | 16.76% | 16.33% | 16.08% | 16.62% | 17.77% | 18.06% | 17.34% | 17.58% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.37% | 53.07% | 52.03% | 54.81% | 60.43% | 63.22% | 56.91% | 56.73% | +192 bps | |
| Liquid Assets / Assets | 4.67% | 4.83% | 4.51% | 4.59% | 4.80% | 4.92% | 4.45% | 4.48% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 103.94% | 106.87% | 102.41% | n/a | n/a | |