Okeene, OK · Cert 4161
FDIC · 1 branch
Q3 2024
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.51% | 1.29% | 1.30% | 1.17% | 0.98% | -54 bps | |
| Return on Equity | 9.22% | 8.04% | 8.46% | 7.39% | 6.05% | -316 bps | |
| Net Interest Margin | 3.40% | 3.51% | 3.09% | 2.98% | 2.92% | -49 bps | |
| Efficiency Ratio | 58.02% | 59.51% | 51.66% | 53.53% | 58.89% | +87 bps | |
| Non-Interest Burden | 1.86% | 2.00% | 1.50% | 1.50% | 1.64% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.80% | 18.38% | 4.46% | 1.25% | 5.43% | -1,037 bps | |
| Loan Growth (YoY) | 6.71% | 22.36% | 8.94% | 5.25% | 16.49% | +978 bps | |
| Deposit Growth (YoY) | 6.91% | 6.25% | 4.43% | 9.07% | 1.15% | -576 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.11% | 0.00% | 0.10% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.36% | 1.09% | 1.25% | 1.31% | 1.17% | -19 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 11.7x | n/a | 12.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.25% | 18.22% | 17.40% | 18.53% | 18.59% | -66 bps | |
| Total Risk-Based Capital | 27.50% | 23.19% | 26.14% | 29.17% | 28.81% | +131 bps | |
| Equity / Assets | 15.84% | 14.77% | 15.97% | 16.76% | 17.03% | +120 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.50% | 63.50% | 55.24% | 54.60% | 60.45% | +796 bps | |
| Liquid Assets / Assets | 13.88% | 12.23% | 11.15% | 11.02% | 9.56% | -432 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |