Okeene, OK · Cert 418 · HPB Holdings Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.53% | 1.20% | 1.58% | 1.66% | 1.61% | 1.34% | 1.49% | 1.78% | +12 bps | |
| Return on Equity | 12.39% | 9.79% | 13.48% | 14.29% | 14.01% | 11.84% | 13.97% | 15.43% | +114 bps | |
| Net Interest Margin | 3.45% | 3.32% | 3.40% | 3.46% | 3.50% | 3.51% | 3.62% | 3.68% | +22 bps | |
| Efficiency Ratio | 47.56% | 58.95% | 44.30% | 42.83% | 45.95% | 55.98% | 53.25% | 53.30% | +1,047 bps | |
| Non-Interest Burden | 1.45% | 1.82% | 1.36% | 1.33% | 1.46% | 1.84% | 1.81% | 1.93% | +60 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 | -0.02% | -0.02% | 0.00% | -0.22% | -0.21% | -0.16% | 0.00% | 0.09% | +31 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 | |