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Anchor D Bank

Texhoma, OK · Cert 4208 · Texhoma Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$404.5MAssets
$234.3MLoans
$330.1MDeposits
$40.9MEquity
Loan mix
71%RE $96.0M24%C&I $32.8M5%Consumer $6.8MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $257.1M22%Noninterest $73.0MQ2 2025Q2 2026

NIM

6.24%Q2 ’245.65%Q2 ’255.38%Q2 ’26-5%+2%

Non-interest income vs. expense

1.99%Q2 ’242.15%Q2 ’252.20%Q2 ’26+12%+3%

Executive Summary

  • Earnings: ROA of 1.36%, up 6 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.53%, up 38 bps from a year ago.
  • Funding: loans stand at 70.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.36%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.49%+6 bps YoY

Efficiency Ratio (quarter, annualized)

55.61%+36 bps YoY

Tier 1 Leverage Ratio

10.53%+38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.21%1.01%1.48%1.36%+6 bps
Return on Equity14.48%12.80%10.46%15.21%13.65%-83 bps
Net Interest Margin3.42%3.53%3.49%3.24%3.49%+6 bps
Efficiency Ratio55.25%41.43%67.85%57.23%55.61%+36 bps
Non-Interest Burden1.68%0.33%2.18%1.67%1.73%+4 bps
Growth
Asset Growth (YoY)4.96%8.51%9.25%1.07%10.34%+539 bps
Loan Growth (YoY)-0.89%-0.86%0.48%-3.67%7.50%+839 bps
Deposit Growth (YoY)12.93%14.59%12.08%-0.23%3.23%-970 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.11%0.00%0 bps
Net Charge-Offs / Loans0.00%0.05%0.01%-0.03%0.00%0 bps
Allowance / Loans1.48%1.50%1.37%1.45%1.38%-11 bps
Allowance Coverage of NPLsn/an/an/a13.4xn/an/an/a
Capital
Tier 1 Leverage Ratio10.15%10.33%10.14%10.19%10.53%+38 bps
Total Risk-Based Capital13.74%13.86%12.67%14.01%12.97%-77 bps
Equity / Assets9.29%9.57%9.70%9.75%10.10%+81 bps
Liquidity & Funding
Loans / Deposits68.17%65.12%67.73%65.76%70.99%+282 bps
Liquid Assets / Assets0.26%0.00%0.00%0.00%0.00%-26 bps
CRE / Total Capitaln/a94.75%90.01%79.51%n/an/a