Oklahoma City, OK · Cert 4147 · Bank7 Corp.
State charter, Fed member · FED · 12 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
83
Profitability
91
Liquidity
38
Efficiency
91
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Oklahoma City, OK · Cert 4147 · Bank7 Corp.
State charter, Fed member · FED · 12 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 1.3% share · #10 of 71 inst. · $0.8B of $60.8B
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 | 2.65% | 2.62% | 2.35% | 2.40% | 2.38% | 2.34% | 2.46% | 2.10% | -30 bps | |
| Return on Equity | 24.88% | 23.96% | 19.11% | 19.39% | 19.04% | 18.66% | 18.88% | 15.78% | -361 bps | |
| Net Interest Margin | 5.03% | 5.03% | 4.83% | 4.76% | 4.78% | 4.66% | 5.11% | 4.98% | +22 bps | |
| Efficiency Ratio | 37.75% | 38.06% | 39.31% | 39.58% | 40.07% | 40.37% | 39.52% | 45.31% | +573 bps | |
| Non-Interest Burden | 1.46% | 1.50% | 1.64% | 1.57% | 1.61% | 1.60% | 1.76% | 2.07% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.80% | -1.80% | 0.59% | 9.12% | 8.68% | 12.87% | 8.94% | 4.25% | -487 bps | |
| Loan Growth (YoY) | 3.13% | 2.63% | 3.78% | 10.93% | 6.86% | 15.11% | 12.05% | 6.84% | -409 bps | |
| Deposit Growth (YoY) | -4.35% | -4.77% | -1.83% | 7.62% | 7.39% | 12.23% | 7.74% | 2.74% | -488 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.51% | 0.41% | 0.36% | 0.35% | 0.40% | 0.58% | 0.39% | +3 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.13% | -0.07% | -0.04% | -0.07% | -0.05% | -0.01% | -0.01% | +3 bps | |
| Allowance / Loans | 1.24% | 1.28% | 1.27% | 1.21% | 1.26% | 1.21% | 1.22% | 1.22% | 0 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.5x | 3.1x | 3.3x | 3.6x | 3.0x | 2.1x | 3.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.64% | 12.18% | 12.39% | 12.49% | 12.71% | 12.82% | 13.24% | 13.88% | +139 bps | |
| Total Risk-Based Capital | 14.12% | 15.22% | 15.25% | 15.06% | 15.44% | 15.25% | 15.96% | 16.36% | +130 bps | |
| Equity / Assets | 11.68% | 12.20% | 12.36% | 12.58% | 12.73% | 12.74% | 13.31% | 13.86% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.31% | 92.21% | 91.91% | 94.09% | 93.84% | 94.57% | 95.59% | 97.84% | +376 bps | |
| Liquid Assets / Assets | 10.06% | 12.33% | 12.64% | 10.71% | 11.50% | 11.07% | 11.47% | 9.68% | -104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 323% | 336% | 329% | n/a | n/a | |
Oklahoma City, OK · Cert 4147 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Bank7 Corp.
State charter, Fed member · FED · 12 branches
Q2 2026
Return on Assets
2.13%
Rank 9 of 176
Net Interest Margin
4.98%
Rank 5 of 176
Efficiency Ratio
45.31%
Rank 17 of 176
Equity / Assets
13.86%
Rank 14 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.13% | 0.93% | 1.26% | 1.54% | Beats 95% | 9 / 176 | ||
| Return on Equity | 15.35% | 9.26% | 11.89% | 14.46% | Beats 81% | 33 / 176 | ||
| Net Interest Margin | 4.98% | 3.25% | 3.59% | 3.93% | Beats 97% | 5 / 176 | ||
| Efficiency Ratio | 45.31% | 52.79% | 59.55% | 67.66% | Beats 91% | 17 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.30% | 0.64% | 1.32% | Beats 66% | 60 / 176 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 100% | 10 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.18% | 11.15% | 12.72% | 14.15% | Beats 84% | 28 / 176 | ||
| Total Risk-Based Capital Ratio | 16.36% | 11.81% | 13.63% | 15.33% | Beats 86% | 25 / 176 | ||
| Equity / Assets | 13.86% | 9.16% | 10.35% | 11.80% | Beats 92% | 14 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.84% | 80.94% | 89.73% | 97.21% | 78th pctl | 38 / 176 | ||
| Loans / Assets | 83.76% | 69.25% | 75.12% | 80.82% | 88th pctl | 21 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||