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 | |