Maysville, OK · Cert 4144
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.65% | 2.04% | 1.72% | -1.10% | 1.47% | 1.61% | 1.30% | 1.46% | +255 bps | |
| Return on Equity | -21.09% | 25.43% | 20.01% | -12.19% | 15.94% | 16.70% | 12.52% | 13.62% | +2,581 bps | |
| Net Interest Margin | 7.06% | 6.77% | 6.26% | 5.68% | 5.87% | 5.36% | 5.06% | 5.10% | -58 bps | |
| Efficiency Ratio | 48.62% | 64.01% | 67.08% | 65.10% | 67.33% | 68.58% | 71.48% | 70.81% | +570 bps | |
| Non-Interest Burden | 3.25% | 4.17% | 3.94% | 3.57% | 3.86% | 3.58% | 3.52% | 3.53% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.41% | -2.21% | -2.93% | -6.08% | 2.40% | 0.97% | -5.52% | -1.40% | +468 bps | |
| Loan Growth (YoY) | -2.46% | -10.46% | -12.53% | -9.93% | -17.23% | -11.97% | -9.52% | -5.52% | +442 bps | |
| Deposit Growth (YoY) | 2.22% | -2.34% | -3.53% | -8.00% | 0.69% | -0.89% | -7.44% | -2.38% | +561 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.50% | 0.58% | 4.29% | 4.12% | 3.68% | 3.65% | 1.61% | -268 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.00% | 0.22% | 6.07% | 0.00% | -0.58% | -0.21% | 1.08% | -499 bps | |
| Allowance / Loans | 2.92% | 3.06% | 3.18% | 3.07% | 3.46% | 3.42% | 3.46% | 2.90% | -17 bps | |
| Allowance Coverage of NPLs | n/a | 6.1x | 5.5x | 0.7x | 0.8x | 0.9x | 0.9x | 1.8x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.54% | 8.38% | 8.93% | 9.30% | 9.67% | 9.95% | 10.40% | 10.89% | +158 bps | |
| Total Risk-Based Capital | 12.69% | 14.49% | 16.13% | 16.04% | 9.67% | 9.95% | 10.40% | 10.89% | -515 bps | |
| Equity / Assets | 7.52% | 8.53% | 8.64% | 9.37% | 9.10% | 10.23% | 10.49% | 10.93% | +156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.07% | 65.03% | 59.68% | 64.32% | 52.67% | 57.76% | 58.35% | 62.26% | -207 bps | |
| Liquid Assets / Assets | 11.96% | 12.55% | 15.18% | 13.85% | 9.70% | 10.35% | 12.81% | 13.00% | -85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 63.83% | 68.36% | 66.41% | n/a | n/a | |