Thomas, OK · Cert 4209 · First Thomas Ban Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
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 | 0.85% | 0.77% | 0.95% | 1.02% | 1.07% | 1.04% | 0.94% | 0.93% | -9 bps | |
| Return on Equity | 5.97% | 5.36% | 6.75% | 7.33% | 7.62% | 7.35% | 6.95% | 7.20% | -13 bps | |
| Net Interest Margin | 3.38% | 3.42% | 3.28% | 3.34% | 3.43% | 3.39% | 3.22% | 2.94% | -40 bps | |
| Efficiency Ratio | 67.00% | 70.89% | 64.89% | 63.42% | 61.90% | 62.92% | 65.92% | 65.67% | +225 bps | |
| Non-Interest Burden | 2.15% | 2.33% | 2.01% | 2.00% | 2.01% | 2.03% | 2.03% | 1.84% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | 2.02% | 3.34% | 6.86% | 5.30% | 7.02% | 10.91% | 15.51% | +866 bps | |
| Loan Growth (YoY) | 12.23% | 1.15% | 0.49% | 3.75% | 19.97% | 23.99% | 16.13% | 6.57% | +281 bps | |
| Deposit Growth (YoY) | -0.14% | 2.36% | 3.17% | 7.23% | 5.71% | 7.18% | 12.25% | 17.73% | +1,050 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.02% | 1.76% | 1.69% | 1.46% | 1.89% | 1.82% | 2.19% | 2.29% | +83 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.95% | 1.95% | 1.92% | 1.91% | 1.76% | 1.75% | 1.81% | 1.90% | -1 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.1x | 1.1x | 1.3x | 0.9x | 1.0x | 0.8x | 0.8x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.73% | 16.04% | 14.97% | 14.58% | 15.12% | 15.15% | 13.83% | 12.63% | -195 bps | |
| Total Risk-Based Capital | 32.64% | 33.46% | 31.74% | 31.77% | 29.88% | 29.91% | 27.86% | 29.90% | -187 bps | |
| Equity / Assets | 14.59% | 14.78% | 13.51% | 13.44% | 14.27% | 14.70% | 12.48% | 11.82% | -161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.52% | 57.70% | 55.66% | 55.55% | 64.15% | 66.75% | 57.59% | 50.28% | -527 bps | |
| Liquid Assets / Assets | 29.36% | 29.47% | 30.02% | 30.22% | 30.97% | 27.20% | 28.10% | 39.81% | +959 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 200% | 196.37% | 201% | n/a | n/a | |