Purcell, OK · Cert 4187 · McClain County Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.4% share · #41 of 71 inst. · $0.3B 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 | 1.78% | 1.59% | 1.80% | 1.96% | 1.94% | 1.81% | 1.69% | 1.70% | -26 bps | |
| Return on Equity | 17.55% | 15.83% | 18.17% | 19.09% | 18.87% | 17.57% | 16.24% | 16.87% | -222 bps | |
| Net Interest Margin | 4.61% | 4.59% | 4.67% | 4.79% | 4.86% | 4.81% | 4.51% | 4.81% | +3 bps | |
| Efficiency Ratio | 58.33% | 59.17% | 55.86% | 54.80% | 55.78% | 56.85% | 56.03% | 56.35% | +155 bps | |
| Non-Interest Burden | 2.28% | 2.33% | 2.23% | 2.21% | 2.29% | 2.36% | 2.17% | 2.32% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.42% | 2.87% | 4.16% | 1.43% | 3.08% | 2.07% | 2.80% | 7.93% | +650 bps | |
| Loan Growth (YoY) | -9.44% | -6.69% | -7.31% | -2.29% | 3.52% | 7.95% | 8.64% | 11.92% | +1,421 bps | |
| Deposit Growth (YoY) | -0.45% | 2.80% | 3.85% | 0.76% | 3.16% | 1.37% | 2.38% | 9.82% | +906 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 0.62% | 0.62% | 0.99% | 0.87% | 0.39% | 0.37% | 0.28% | -71 bps | |
| Net Charge-Offs / Loans | -0.05% | 0.01% | -0.01% | 0.06% | 0.06% | 0.07% | 0.07% | 0.03% | -2 bps | |
| Allowance / Loans | 1.16% | 1.25% | 1.26% | 1.21% | 1.17% | 1.19% | 1.27% | 1.32% | +11 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.0x | 2.0x | 1.2x | 1.3x | 3.0x | 3.5x | 4.8x | +3.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.54% | 9.95% | 10.10% | 10.62% | 10.34% | 10.44% | 9.93% | 9.52% | -111 bps | |
| Total Risk-Based Capital | 10.54% | 9.95% | 10.10% | 10.62% | 10.34% | 10.44% | 9.93% | 9.52% | -111 bps | |
| Equity / Assets | 10.44% | 9.87% | 9.97% | 10.94% | 10.33% | 10.47% | 10.38% | 9.40% | -154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.28% | 72.39% | 69.52% | 74.83% | 74.54% | 77.09% | 73.77% | 76.26% | +143 bps | |
| Liquid Assets / Assets | 16.61% | 19.16% | 22.37% | 17.04% | 16.39% | 14.78% | 16.72% | 12.35% | -469 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 213% | 308% | 291% | n/a | n/a | |