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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.65% | 0.80% | 0.55% | 1.30% | 0.67% | 0.67% | 2.20% | +165 bps | |
| Return on Equity | 5.66% | 5.32% | 6.22% | 4.28% | 10.44% | 5.50% | 5.54% | 19.09% | +1,481 bps | |
| Net Interest Margin | 4.04% | 4.06% | 4.18% | 4.01% | 4.63% | 3.82% | 3.63% | 5.46% | +144 bps | |
| Efficiency Ratio | 84.40% | 85.00% | 83.66% | 88.47% | 73.70% | 82.23% | 86.79% | 65.87% | -2,260 bps | |
| Non-Interest Burden | 3.27% | 3.32% | 3.33% | 3.45% | 3.23% | 3.00% | 3.03% | 3.35% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.68% | -3.13% | -5.55% | -3.37% | 5.40% | 11.71% | 15.09% | 23.23% | +2,660 bps | |
| Loan Growth (YoY) | 2.34% | -1.06% | -4.80% | -4.29% | 4.36% | 7.92% | -4.21% | -0.24% | +405 bps | |
| Deposit Growth (YoY) | 4.41% | -4.75% | -5.08% | -2.98% | 6.50% | 15.14% | 18.57% | 27.97% | +3,095 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.21% | 2.91% | 2.70% | 2.86% | 2.60% | 2.57% | 2.69% | 2.45% | -40 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.18% | 0.25% | 0.01% | 0.24% | 0.16% | -0.09% | -0.20% | -21 bps | |
| Allowance / Loans | 1.18% | 1.21% | 1.20% | 1.19% | 1.12% | 1.12% | 1.29% | 1.23% | +3 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.5x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.97% | 12.19% | 12.54% | 12.50% | 11.54% | 11.41% | 11.29% | 11.28% | -123 bps | |
| Total Risk-Based Capital | 21.04% | 21.02% | 21.91% | 12.50% | 11.54% | 11.41% | 11.29% | 11.28% | -123 bps | |
| Equity / Assets | 11.91% | 12.71% | 13.05% | 12.46% | 12.36% | 12.17% | 12.15% | 10.94% | -153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.47% | 73.09% | 72.01% | 70.95% | 68.08% | 68.51% | 58.18% | 55.31% | -1,564 bps | |
| Liquid Assets / Assets | 5.88% | 4.09% | 4.19% | 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 | n/a | n/a | n/a |