Stroud, OK · Cert 4204
FDIC · 3 branches
Q1 2021
Market Position · Oklahoma City, OK · 2020 SOD (annual) · 0.1% share · #59 of 72 inst. · $0.0B of $42.5B
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.93% | 0.84% | 0.80% | 2.20% | +165 bps | |
| Return on Equity | 4.28% | 7.34% | 6.74% | 6.44% | 19.09% | +1,481 bps | |
| Net Interest Margin | 4.01% | 4.13% | 4.02% | 3.88% | 5.46% | +144 bps | |
| Efficiency Ratio | 88.47% | 80.41% | 81.00% | 82.41% | 65.87% | -2,260 bps | |
| Non-Interest Burden | 3.45% | 3.18% | 3.11% | 3.06% | 3.35% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.37% | 5.40% | 11.71% | 15.09% | 23.23% | +2,660 bps | |
| Loan Growth (YoY) | -4.29% | 4.36% | 7.92% | -4.21% | -0.24% | +405 bps | |
| Deposit Growth (YoY) | -2.98% | 6.50% | 15.14% | 18.57% | 27.97% | +3,095 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.86% | 2.60% | 2.57% | 2.69% | 2.45% | -40 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.12% | 0.13% | 0.09% | -0.20% | -21 bps | |
| Allowance / Loans | 1.19% | 1.12% | 1.12% | 1.29% | 1.23% | +3 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.5x | 0.5x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.50% | 11.54% | 11.41% | 11.29% | 11.28% | -123 bps | |
| Total Risk-Based Capital | 12.50% | 11.54% | 11.41% | 11.29% | 11.28% | -123 bps | |
| Equity / Assets | 12.46% | 12.36% | 12.17% | 12.15% | 10.94% | -153 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.95% | 68.08% | 68.51% | 58.18% | 55.31% | -1,564 bps | |
| Liquid Assets / Assets | 5.64% | 6.76% | 4.83% | 4.62% | 3.91% | -174 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |