Bethany, OK · Cert 4228 · First Bethany Bcorp Inc.
State charter, Fed member · FED · 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
3
Asset Quality
94
Profitability
43
Liquidity
52
Efficiency
52
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.
Bethany, OK · Cert 4228 · First Bethany Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.4% share · #40 of 71 inst. · $0.3B 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 | 0.56% | 0.59% | 0.65% | 0.71% | 0.72% | 0.72% | 0.90% | 0.93% | +22 bps | |
| Return on Equity | 13.01% | 13.88% | 15.18% | 16.43% | 15.70% | 14.81% | 15.54% | 16.04% | -39 bps | |
| Net Interest Margin | 2.23% | 2.27% | 2.30% | 2.46% | 2.54% | 2.59% | 2.93% | 2.92% | +47 bps | |
| Efficiency Ratio | 72.99% | 71.65% | 69.75% | 67.43% | 67.33% | 65.97% | 64.31% | 63.12% | -431 bps | |
| Non-Interest Burden | 1.52% | 1.52% | 1.50% | 1.54% | 1.59% | 1.58% | 1.77% | 1.72% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.90% | 3.22% | 4.37% | 0.68% | 3.66% | 0.89% | 4.95% | 7.25% | +656 bps | |
| Loan Growth (YoY) | 5.09% | 6.35% | 6.99% | 9.62% | 4.90% | 7.72% | 10.53% | 14.96% | +534 bps | |
| Deposit Growth (YoY) | 1.38% | 9.80% | 5.01% | 1.42% | 7.17% | -2.11% | 3.57% | 8.57% | +715 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.19% | 0.18% | 0.18% | 0.17% | 0.26% | 0.18% | 0 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 | 0.95% | 0.96% | 0.98% | 1.00% | 1.02% | 0.97% | 0.98% | 0.96% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 5.1x | 5.4x | 5.7x | 5.8x | 3.7x | 5.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.91% | 9.04% | 8.73% | 9.04% | 9.20% | 9.10% | 9.19% | 9.10% | +6 bps | |
| Total Risk-Based Capital | 13.98% | 9.04% | 8.73% | 9.04% | 9.20% | 9.10% | 9.19% | 9.10% | +6 bps | |
| Equity / Assets | 5.17% | 4.11% | 4.43% | 4.39% | 5.42% | 5.95% | 5.68% | 5.81% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.77% | 67.12% | 66.36% | 68.70% | 67.31% | 73.86% | 70.82% | 72.75% | +405 bps | |
| Liquid Assets / Assets | 1.36% | 0.97% | 1.68% | 1.78% | 2.20% | 1.09% | 1.55% | 1.34% | -43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 382% | 389% | 378% | n/a | n/a | |
Bethany, OK · Cert 4228 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · First Bethany Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets
0.90%
Rank 13 of 25
Net Interest Margin
2.92%
Rank 25 of 25
Efficiency Ratio
63.12%
Rank 13 of 25
Equity / Assets
5.81%
Rank 25 of 25
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.60% | 0.90% | 1.27% | Beats 48% | 13 / 25 | ||
| Return on Equity | 15.55% | 6.92% | 9.16% | 13.29% | Beats 80% | 5 / 25 | ||
| Net Interest Margin | 2.92% | 3.56% | 3.82% | 4.10% | Beats 0% | 25 / 25 | ||
| Efficiency Ratio | 63.12% | 56.35% | 63.12% | 79.22% | Beats 52% | 13 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.33% | 0.76% | 2.35% | Beats 88% | 4 / 25 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 8 / 25 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.10% | 10.27% | 12.02% | 13.99% | Beats 4% | 24 / 25 | ||
| Total Risk-Based Capital Ratio | 9.10% | 10.27% | 12.44% | 15.25% | Beats 4% | 24 / 25 | ||
| Equity / Assets | 5.81% | 8.64% | 10.07% | 11.05% | Beats 0% | 25 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.75% | 70.71% | 82.03% | 97.03% | 28th pctl | 18 / 25 | ||
| Loans / Assets | 62.67% | 62.67% | 74.54% | 84.24% | 24th pctl | 19 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||