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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.15% | 1.00% | 1.49% | 0.60% | -38 bps | |
| Return on Equity | 10.31% | 11.65% | 9.63% | 13.18% | 5.38% | -493 bps | |
| Net Interest Margin | 3.44% | 3.70% | 3.99% | 4.01% | 3.97% | +53 bps | |
| Efficiency Ratio | 69.82% | 66.29% | 69.12% | 60.00% | 58.95% | -1,087 bps | |
| Non-Interest Burden | 2.21% | 2.24% | 2.53% | 2.15% | 2.10% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.22% | -6.81% | -4.79% | -8.77% | -4.02% | +120 bps | |
| Loan Growth (YoY) | -0.52% | 0.17% | 1.64% | 3.04% | -3.54% | -303 bps | |
| Deposit Growth (YoY) | -6.35% | -8.09% | -6.78% | -10.90% | -5.25% | +109 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.20% | 4.03% | 3.10% | 3.86% | 1.83% | -137 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 2.11% | +211 bps | |
| Allowance / Loans | 0.81% | 0.80% | 1.05% | 1.05% | 1.10% | +30 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.2x | 0.3x | 0.3x | 0.6x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.33% | 12.15% | 13.12% | 12.46% | 12.10% | +77 bps | |
| Total Risk-Based Capital | 16.24% | 12.15% | 13.12% | 12.46% | 12.10% | -414 bps | |
| Equity / Assets | 9.81% | 11.20% | 12.50% | 10.31% | 10.92% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.67% | 66.54% | 74.60% | 61.01% | 62.78% | +111 bps | |
| Liquid Assets / Assets | 0.32% | 0.34% | 0.37% | 0.31% | 0.34% | +2 bps | |
| CRE / Total Capital | n/a | 137.72% | 151.81% | 126.42% | n/a | n/a | |