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 | |