Waurika, OK · Cert 4222
National charter · OCC · 1 branch
Q2 2026
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 | 1.02% | 0.99% | 0.37% | 1.27% | 1.27% | +25 bps | |
| Return on Equity | 7.41% | 6.85% | 2.54% | 8.70% | 8.55% | +115 bps | |
| Net Interest Margin | 2.82% | 2.85% | 2.97% | 3.24% | 3.03% | +21 bps | |
| Efficiency Ratio | 58.63% | 60.14% | 85.33% | 53.78% | 50.54% | -809 bps | |
| Non-Interest Burden | 1.62% | 1.68% | 2.52% | 1.71% | 1.51% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.97% | 4.10% | 1.49% | 5.33% | 5.07% | +310 bps | |
| Loan Growth (YoY) | 15.77% | 27.65% | 16.94% | -7.47% | 9.27% | -650 bps | |
| Deposit Growth (YoY) | 0.99% | 4.07% | -1.08% | 6.72% | 3.87% | +287 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.00% | 0.00% | 0.00% | -4 bps | |
| Net Charge-Offs / Loans | -0.20% | 0.00% | -0.12% | 0.02% | 0.00% | +20 bps | |
| Allowance / Loans | 6.33% | 6.11% | 4.49% | 4.76% | 5.83% | -50 bps | |
| Allowance Coverage of NPLs | 148.1x | 172.8x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.16% | 19.56% | 19.42% | 19.16% | 19.31% | +15 bps | |
| Total Risk-Based Capital | 19.16% | 19.56% | 19.42% | 19.16% | 19.31% | +15 bps | |
| Equity / Assets | 13.95% | 14.87% | 14.46% | 14.66% | 14.98% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.13% | 36.55% | 47.64% | 44.38% | 38.01% | +188 bps | |
| Liquid Assets / Assets | 13.77% | 10.29% | 5.05% | 8.45% | 16.45% | +268 bps | |
| CRE / Total Capital | n/a | 9.50% | 8.76% | 8.25% | n/a | n/a | |