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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 $6.8MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $257.1M22%Noninterest $73.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.41%, up 4 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • 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.

Return on Assets (YTD, annualized)

1.41%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-8 bps YoY

Efficiency Ratio (YTD, annualized)

56.40%+220 bps YoY

Tier 1 Leverage Ratio

10.53%+38 bps YoY

NIM

6.29%Q2 ’245.71%Q2 ’255.34%Q2 ’26-5%-2%

Non-interest income vs. expense

2.03%Q2 ’242.14%Q2 ’252.17%Q2 ’26+8%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.35%1.43%1.37%1.31%1.24%1.48%1.41%+4 bps
Return on Equity17.29%15.53%16.53%15.52%14.53%13.47%15.21%14.31%-121 bps
Net Interest Margin3.62%3.56%3.54%3.47%3.49%3.45%3.24%3.39%-8 bps
Efficiency Ratio49.15%53.68%53.17%54.19%48.97%53.43%57.23%56.40%+220 bps
Non-Interest Burden1.52%1.68%1.66%1.66%1.22%1.44%1.67%1.71%+5 bps
Growth
Asset Growth (YoY)5.59%5.49%12.74%4.96%8.51%9.25%1.07%10.34%+539 bps
Loan Growth (YoY)9.95%11.27%8.37%-0.89%-0.86%0.48%-3.67%7.50%+839 bps
Deposit Growth (YoY)10.82%4.30%15.45%12.93%14.59%12.08%-0.23%3.23%-970 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.11%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.02%0.01%-0.03%-0.02%-2 bps
Allowance / Loans1.34%1.34%1.37%1.48%1.50%1.37%1.45%1.38%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a13.4xn/an/an/a
Capital
Tier 1 Leverage Ratio10.41%10.01%10.02%10.15%10.33%10.14%10.19%10.53%+38 bps
Total Risk-Based Capital10.41%10.01%13.32%13.74%13.86%12.67%14.01%12.97%-77 bps
Equity / Assets9.15%8.64%8.64%9.29%9.57%9.70%9.75%10.10%+81 bps
Liquidity & Funding
Loans / Deposits75.27%75.56%68.11%68.17%65.12%67.73%65.76%70.99%+282 bps
Liquid Assets / Assets0.26%0.24%0.24%0.26%0.00%0.00%0.00%0.00%-26 bps
CRE / Total Capitaln/an/an/an/a94.75%90.01%79.51%n/an/a