Tulsa, OK · Cert 4178 · Pawnee Holding Co. Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 2.1% share · #14 of 59 inst. · $0.8B of $39.3B
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 | 2.10% | 1.73% | 1.89% | 1.93% | 1.83% | 1.92% | 1.75% | 1.81% | -12 bps | |
| Return on Equity | 18.95% | 15.60% | 17.00% | 17.16% | 16.36% | 16.97% | 15.06% | 15.50% | -166 bps | |
| Net Interest Margin | 4.20% | 3.86% | 3.98% | 4.14% | 4.27% | 4.06% | 4.14% | 4.22% | +8 bps | |
| Efficiency Ratio | 38.17% | 45.21% | 41.13% | 40.83% | 38.33% | 40.87% | 43.59% | 42.51% | +168 bps | |
| Non-Interest Burden | 1.53% | 1.68% | 1.56% | 1.60% | 1.57% | 1.58% | 1.75% | 1.72% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.12% | 6.72% | 5.96% | 7.47% | 7.30% | 2.72% | 2.59% | 3.96% | -351 bps | |
| Loan Growth (YoY) | 7.79% | 5.85% | 3.78% | 4.76% | 2.15% | 0.02% | 0.28% | 0.25% | -450 bps | |
| Deposit Growth (YoY) | 6.63% | 6.40% | 5.56% | 7.21% | 7.34% | 2.15% | 2.01% | 3.54% | -367 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.15% | 0.94% | 0.52% | 0.56% | 0.29% | 0.25% | 0.15% | -38 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.18% | -0.70% | 0.03% | 0.40% | 0.55% | 0.03% | 0.01% | -1 bps | |
| Allowance / Loans | 1.97% | 1.89% | 2.04% | 2.03% | 2.09% | 1.96% | 1.96% | 1.97% | -6 bps | |
| Allowance Coverage of NPLs | 72.2x | 12.8x | 2.2x | 3.9x | 3.7x | 6.7x | 7.9x | 13.3x | +9.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.37% | 11.12% | 11.55% | 11.42% | 11.33% | 11.36% | 12.01% | 11.84% | +42 bps | |
| Total Risk-Based Capital | 13.84% | 13.56% | 14.10% | 14.14% | 14.52% | 14.52% | 14.80% | 14.60% | +46 bps | |
| Equity / Assets | 11.18% | 10.94% | 11.30% | 11.21% | 11.16% | 11.49% | 11.79% | 11.57% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.29% | 96.70% | 96.83% | 96.70% | 92.59% | 94.68% | 95.19% | 93.63% | -307 bps | |
| Liquid Assets / Assets | 9.37% | 9.75% | 10.33% | 10.46% | 14.28% | 12.54% | 12.54% | 13.60% | +313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 422% | 421% | 421% | n/a | n/a | |