Verden, OK · Cert 4217
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Oklahoma City, OK area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
20
Profitability
31
Liquidity
0
Efficiency
64
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Verden, OK · Cert 4217
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #58 of 71 inst. · $0.1B of $60.8B
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 | 1.40% | 1.24% | 0.73% | 0.98% | 1.15% | 1.00% | 1.49% | 0.60% | -38 bps | |
| Return on Equity | 15.80% | 13.46% | 7.80% | 10.31% | 11.65% | 9.63% | 13.18% | 5.38% | -493 bps | |
| Net Interest Margin | 3.67% | 3.93% | 3.57% | 3.44% | 3.70% | 3.99% | 4.01% | 3.97% | +53 bps | |
| Efficiency Ratio | 58.34% | 61.63% | 76.94% | 69.82% | 66.29% | 69.12% | 60.00% | 58.95% | -1,087 bps | |
| Non-Interest Burden | 1.89% | 2.17% | 2.59% | 2.21% | 2.24% | 2.53% | 2.15% | 2.10% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.01% | -14.57% | 4.38% | -5.22% | -6.81% | -4.79% | -8.77% | -4.02% | +120 bps | |
| Loan Growth (YoY) | 5.50% | 3.01% | -0.78% | -0.52% | 0.17% | 1.64% | 3.04% | -3.54% | -303 bps | |
| Deposit Growth (YoY) | -12.56% | -16.46% | 4.22% | -6.35% | -8.09% | -6.78% | -10.90% | -5.25% | +109 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.11% | 1.21% | 3.67% | 3.20% | 4.03% | 3.10% | 3.86% | 1.83% | -137 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.18% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.11% | +211 bps | |
| Allowance / Loans | 0.80% | 0.80% | 0.82% | 0.81% | 0.80% | 1.05% | 1.05% | 1.10% | +30 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.2x | 0.3x | 0.2x | 0.3x | 0.3x | 0.6x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.13% | 12.27% | 11.66% | 11.33% | 12.15% | 13.12% | 12.46% | 12.10% | +77 bps | |
| Total Risk-Based Capital | 16.95% | 17.26% | 11.66% | 16.24% | 12.15% | 13.12% | 12.46% | 12.10% | -414 bps | |
| Equity / Assets | 9.95% | 10.70% | 8.25% | 9.81% | 11.20% | 12.50% | 10.31% | 10.92% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.05% | 68.42% | 52.76% | 61.67% | 66.54% | 74.60% | 61.01% | 62.78% | +111 bps | |
| Liquid Assets / Assets | 0.30% | 0.34% | 0.28% | 0.32% | 0.34% | 0.37% | 0.31% | 0.34% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 137.72% | 151.81% | 126.42% | n/a | n/a | |
Verden, OK · Cert 4217 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25)
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.60%
Rank 19 of 25
Net Interest Margin
3.97%
Rank 10 of 25
Efficiency Ratio
58.95%
Rank 10 of 25
Equity / Assets
10.92%
Rank 9 of 25
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.60% | 0.90% | 1.27% | Beats 24% | 19 / 25 | ||
| Return on Equity | 5.47% | 6.92% | 9.16% | 13.29% | Beats 8% | 23 / 25 | ||
| Net Interest Margin | 3.97% | 3.56% | 3.82% | 4.10% | Beats 60% | 10 / 25 | ||
| Efficiency Ratio | 58.95% | 56.35% | 63.12% | 79.22% | Beats 64% | 10 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.83% | 0.33% | 0.76% | 2.35% | Beats 36% | 17 / 25 | ||
| Net Charge-Offs / Loans | 1.07% | n/a | 0.00% | 0.05% | Beats 4% | 25 / 25 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.10% | 10.27% | 12.02% | 13.99% | Beats 52% | 12 / 25 | ||
| Total Risk-Based Capital Ratio | 12.10% | 10.27% | 12.44% | 15.25% | Beats 40% | 15 / 25 | ||
| Equity / Assets | 10.92% | 8.64% | 10.07% | 11.05% | Beats 64% | 9 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.78% | 70.71% | 82.03% | 97.03% | 12th pctl | 22 / 25 | ||
| Loans / Assets | 55.41% | 62.67% | 74.54% | 84.24% | 8th pctl | 23 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||