Oklahoma City, OK · Cert 4211 · First Bcorp of Oklahoma Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.8% share · #22 of 71 inst. · $0.5B of $60.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.73% | 1.86% | 1.54% | 1.79% | 1.89% | +17 bps | |
| Return on Equity | 17.87% | 18.98% | 15.42% | 17.31% | 18.30% | +43 bps | |
| Net Interest Margin | 4.13% | 4.25% | 4.20% | 4.17% | 4.16% | +2 bps | |
| Efficiency Ratio | 44.76% | 45.49% | 52.01% | 46.21% | 44.65% | -11 bps | |
| Non-Interest Burden | 1.57% | 1.69% | 2.01% | 1.82% | 1.71% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.64% | 8.56% | 10.12% | 4.60% | 8.76% | -88 bps | |
| Loan Growth (YoY) | 9.06% | 7.91% | 7.28% | 3.58% | 6.38% | -268 bps | |
| Deposit Growth (YoY) | 12.01% | 10.07% | 10.50% | 3.70% | 5.41% | -660 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.31% | 1.23% | 1.09% | 0.51% | 1.39% | +8 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.18% | 0.12% | 0.01% | 0.12% | +13 bps | |
| Allowance / Loans | 1.31% | 1.32% | 1.32% | 1.34% | 1.27% | -5 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.2x | 2.6x | 0.9x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.95% | 10.31% | 10.40% | 10.93% | 10.46% | +51 bps | |
| Total Risk-Based Capital | 13.98% | 14.55% | 14.40% | 15.12% | 14.48% | +49 bps | |
| Equity / Assets | 9.57% | 9.99% | 10.04% | 10.61% | 10.07% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.28% | 91.47% | 91.18% | 92.06% | 93.13% | +85 bps | |
| Liquid Assets / Assets | 8.96% | 10.24% | 9.69% | 9.77% | 10.69% | +174 bps | |
| CRE / Total Capital | n/a | 433% | 429% | 406% | n/a | n/a | |