McAlester, OK · Cert 4146 · NBM Corp.
National charter · OCC · 6 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.0% share · #57 of 59 inst. · $0.0B of $39.3B
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 | 1.05% | 0.93% | 0.96% | 1.19% | 1.24% | 1.07% | 1.04% | 1.27% | +8 bps | |
| Return on Equity | 12.82% | 11.45% | 12.14% | 14.69% | 14.84% | 12.79% | 12.20% | 14.65% | -4 bps | |
| Net Interest Margin | 3.52% | 3.54% | 3.44% | 3.57% | 3.68% | 3.72% | 3.91% | 4.01% | +44 bps | |
| Efficiency Ratio | 65.98% | 70.01% | 69.83% | 64.59% | 63.87% | 67.40% | 63.44% | 61.95% | -264 bps | |
| Non-Interest Burden | 2.05% | 2.24% | 2.19% | 2.05% | 2.08% | 2.26% | 2.23% | 2.22% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.53% | -1.53% | 0.81% | 1.67% | 3.94% | 4.51% | 5.19% | 7.90% | +623 bps | |
| Loan Growth (YoY) | -1.63% | -4.56% | -1.32% | 6.25% | 9.18% | 14.94% | 18.31% | 26.14% | +1,990 bps | |
| Deposit Growth (YoY) | -2.73% | -1.87% | 0.98% | 1.47% | 3.42% | 3.95% | 4.53% | 7.25% | +579 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.02% | 0.91% | 0.76% | 0.76% | 1.05% | 0.85% | 1.57% | 1.30% | +54 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.04% | 0.02% | 0.03% | 0.04% | 0.02% | 0.01% | -1 bps | |
| Allowance / Loans | 1.44% | 1.44% | 1.41% | 1.33% | 1.32% | 1.36% | 1.43% | 1.27% | -6 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.6x | 1.9x | 1.8x | 1.3x | 1.6x | 0.9x | 1.0x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.22% | 10.90% | 10.79% | 11.09% | 11.49% | 10.93% | 10.68% | 10.85% | -24 bps | |
| Total Risk-Based Capital | 11.22% | 10.90% | 10.79% | 11.09% | 11.49% | 10.93% | 10.68% | 10.85% | -24 bps | |
| Equity / Assets | 9.00% | 7.92% | 7.95% | 8.37% | 9.24% | 8.46% | 8.66% | 8.89% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.37% | 58.15% | 59.19% | 63.58% | 64.79% | 64.30% | 66.99% | 74.78% | +1,120 bps | |
| Liquid Assets / Assets | 15.45% | 14.25% | 13.78% | 13.48% | 13.02% | 11.98% | 11.48% | 10.98% | -250 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 247% | 272% | 293% | n/a | n/a | |