Wynnewood, OK · Cert 4232 · Garvin County Bancshares Inc.
State charter, non-member · FDIC · 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 | 0.75% | 0.85% | 0.84% | 2.36% | 0.95% | +20 bps | |
| Return on Equity | 6.50% | 6.89% | 6.16% | 17.19% | 7.08% | +58 bps | |
| Net Interest Margin | 2.74% | 2.93% | 2.95% | 2.84% | 2.93% | +19 bps | |
| Efficiency Ratio | 68.74% | 67.32% | 68.10% | 42.78% | 62.93% | -580 bps | |
| Non-Interest Burden | 1.83% | 1.88% | 1.94% | -0.02% | 1.76% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.70% | -1.43% | -9.07% | 0.87% | 0.17% | -153 bps | |
| Loan Growth (YoY) | 2.10% | -1.54% | -1.57% | 1.64% | 4.47% | +237 bps | |
| Deposit Growth (YoY) | 1.45% | -2.55% | -11.99% | -1.21% | -1.89% | -334 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.00% | 0.02% | 0.00% | -2 bps | |
| Allowance / Loans | 1.37% | 1.33% | 1.33% | 1.33% | 1.31% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.74% | 15.28% | 15.55% | 15.89% | 15.63% | +89 bps | |
| Total Risk-Based Capital | 14.74% | 15.28% | 15.55% | 15.89% | 15.63% | +89 bps | |
| Equity / Assets | 11.73% | 12.98% | 14.28% | 13.23% | 13.63% | +189 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.32% | 51.90% | 57.11% | 50.21% | 52.52% | +320 bps | |
| Liquid Assets / Assets | 17.37% | 13.76% | 7.68% | 20.31% | 20.17% | +280 bps | |
| CRE / Total Capital | n/a | 30.44% | 33.84% | 32.86% | n/a | n/a | |