Okeene, OK · Cert 418 · HPB Holdings Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.39% | 0.23% | 1.58% | 1.73% | 1.51% | 0.54% | 1.49% | 2.14% | +42 bps | |
| Return on Equity | 11.09% | 1.86% | 13.48% | 15.10% | 13.48% | 4.95% | 13.97% | 17.95% | +285 bps | |
| Net Interest Margin | 3.44% | 3.41% | 3.40% | 3.68% | 3.78% | 3.77% | 3.62% | 5.04% | +137 bps | |
| Efficiency Ratio | 52.00% | 92.26% | 44.30% | 41.53% | 51.50% | 83.03% | 53.25% | 53.32% | +1,179 bps | |
| Non-Interest Burden | 1.63% | 3.11% | 1.36% | 1.36% | 1.81% | 3.06% | 1.81% | 2.72% | +135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.09% | 4.05% | 7.94% | 16.66% | 14.61% | 14.31% | 8.20% | 62.07% | +4,541 bps | |
| Loan Growth (YoY) | -3.34% | 4.94% | 13.37% | 18.54% | 31.68% | 12.31% | 11.87% | 49.80% | +3,126 bps | |
| Deposit Growth (YoY) | 1.92% | 4.32% | 8.71% | 18.75% | 16.30% | 16.27% | 9.21% | 59.68% | +4,093 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.54% | 0.71% | 0.83% | 0.64% | 1.21% | 1.14% | 0.97% | +14 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | -0.45% | -0.22% | 0.02% | 0.00% | 0.18% | +62 bps | |
| Allowance / Loans | 1.07% | 0.95% | 0.90% | 1.01% | 1.00% | 1.03% | 0.98% | 1.03% | +2 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.8x | 1.3x | 1.2x | 1.6x | 0.9x | 0.9x | 1.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.41% | 11.62% | 11.58% | 11.32% | 11.15% | 10.31% | 9.83% | 10.76% | -56 bps | |
| Total Risk-Based Capital | 12.41% | 11.62% | 11.58% | 11.32% | 11.15% | 10.31% | 9.83% | 10.76% | -56 bps | |
| Equity / Assets | 12.28% | 11.98% | 11.54% | 11.31% | 11.13% | 10.56% | 10.73% | 12.70% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.48% | 92.03% | 91.91% | 90.21% | 93.39% | 88.89% | 94.15% | 84.63% | -559 bps | |
| Liquid Assets / Assets | 17.43% | 8.64% | 9.67% | 11.59% | 8.85% | 12.65% | 8.04% | 18.02% | +642 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 307% | 241% | 247% | n/a | n/a | |