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State Bank of Wynnewood, The

Wynnewood, OK · Cert 4232 · Garvin County Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$111.4MAssets
$50.3MLoans
$95.8MDeposits
$15.2MEquity
Loan mix
88%RE $40.2M9%C&I $4.0M3%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $79.7M17%Noninterest $16.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.66%, up 91 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 15.63%, up 89 bps from a year ago.
  • Funding: loans stand at 52.52% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.66%+91 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+16 bps YoY

Efficiency Ratio (YTD, annualized)

50.73%-1,783 bps YoY

Tier 1 Leverage Ratio

15.63%+89 bps YoY

NIM

4.02%Q2 ’244.35%Q2 ’254.29%Q2 ’26+22%+6%

Non-interest income vs. expense

1.76%Q2 ’241.99%Q2 ’252.03%Q2 ’26+20%-51%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.57%0.74%0.75%0.78%0.80%2.36%1.66%+91 bps
Return on Equity5.24%4.87%6.56%6.52%6.60%6.52%17.19%12.10%+558 bps
Net Interest Margin2.25%2.36%2.60%2.69%2.81%2.88%2.84%2.84%+16 bps
Efficiency Ratio70.80%73.34%68.38%68.56%68.12%68.12%42.78%50.73%-1,783 bps
Non-Interest Burden1.51%1.66%1.70%1.77%1.83%1.88%-0.02%0.87%-91 bps
Growth
Asset Growth (YoY)7.89%9.47%2.97%1.70%-1.43%-9.07%0.87%0.17%-153 bps
Loan Growth (YoY)8.58%9.39%5.25%2.10%-1.54%-1.57%1.64%4.47%+237 bps
Deposit Growth (YoY)5.99%11.17%3.54%1.45%-2.55%-11.99%-1.21%-1.89%-334 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%0.00%0.02%0.01%0 bps
Allowance / Loans1.31%1.32%1.36%1.37%1.33%1.33%1.33%1.31%-6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.47%14.75%14.42%14.74%15.28%15.55%15.89%15.63%+89 bps
Total Risk-Based Capital14.47%14.75%14.42%14.74%15.28%15.55%15.89%15.63%+89 bps
Equity / Assets11.92%11.36%11.32%11.73%12.98%14.28%13.23%13.63%+189 bps
Liquidity & Funding
Loans / Deposits51.37%51.06%48.80%49.32%51.90%57.11%50.21%52.52%+320 bps
Liquid Assets / Assets7.49%11.42%16.83%17.37%13.76%7.68%20.31%20.17%+280 bps
CRE / Total Capitaln/an/an/an/a30.44%33.84%32.86%n/an/a