Yukon, OK · Cert 4235 · Intl Bancshares OK
State charter, non-member · FDIC · 5 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
41
Asset Quality
56
Profitability
12
Liquidity
0
Efficiency
12
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.
Yukon, OK · Cert 4235 · Intl Bancshares OK
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.4% share · #44 of 71 inst. · $0.2B 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 | 0.64% | 0.60% | 0.39% | 0.34% | 0.34% | 0.33% | 0.40% | 0.43% | +9 bps | |
| Return on Equity | 9.19% | 8.33% | 4.93% | 4.31% | 4.25% | 4.11% | 5.12% | 5.54% | +122 bps | |
| Net Interest Margin | 3.50% | 3.47% | 3.28% | 3.22% | 3.27% | 3.30% | 3.36% | 3.42% | +20 bps | |
| Efficiency Ratio | 79.93% | 81.70% | 86.56% | 88.47% | 88.72% | 89.38% | 85.93% | 84.45% | -402 bps | |
| Non-Interest Burden | 2.69% | 2.74% | 2.76% | 2.78% | 2.83% | 2.88% | 2.82% | 2.81% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | -8.45% | -3.96% | -3.04% | -8.47% | 9.93% | 11.21% | 8.26% | +1,130 bps | |
| Loan Growth (YoY) | 1.34% | 1.59% | 2.92% | -3.45% | -4.76% | -1.72% | 1.70% | 16.49% | +1,993 bps | |
| Deposit Growth (YoY) | 3.23% | -13.08% | -4.99% | -4.17% | -9.49% | 13.51% | 11.32% | 5.10% | +927 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.37% | 0.41% | 0.13% | 0.12% | 1.12% | 1.07% | 0.39% | +27 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.06% | 0.05% | +4 bps | |
| Allowance / Loans | 0.88% | 0.90% | 0.87% | 0.91% | 0.93% | 0.87% | 0.81% | 0.77% | -14 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.4x | 2.1x | 7.1x | 7.5x | 0.8x | 0.8x | 2.0x | -5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.07% | 8.95% | 9.07% | 8.93% | 8.97% | 9.00% | 8.41% | 8.45% | -48 bps | |
| Total Risk-Based Capital | 14.83% | 15.03% | 13.61% | 14.38% | 14.55% | 14.24% | 13.52% | 12.93% | -146 bps | |
| Equity / Assets | 7.43% | 8.22% | 7.49% | 7.90% | 8.23% | 8.22% | 7.43% | 7.86% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.92% | 64.23% | 58.73% | 56.52% | 55.68% | 55.61% | 53.65% | 62.64% | +612 bps | |
| Liquid Assets / Assets | 14.13% | 2.94% | 7.32% | 9.60% | 8.49% | 7.82% | 10.37% | 3.19% | -641 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 279% | 277% | 292% | n/a | n/a | |
Yukon, OK · Cert 4235 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Intl Bancshares OK
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
0.43%
Rank 23 of 25
Net Interest Margin
3.42%
Rank 21 of 25
Efficiency Ratio
84.45%
Rank 23 of 25
Equity / Assets
7.86%
Rank 22 of 25
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 0.60% | 0.90% | 1.27% | Beats 8% | 23 / 25 | ||
| Return on Equity | 5.49% | 6.92% | 9.16% | 13.29% | Beats 12% | 22 / 25 | ||
| Net Interest Margin | 3.42% | 3.56% | 3.82% | 4.10% | Beats 16% | 21 / 25 | ||
| Efficiency Ratio | 84.45% | 56.35% | 63.12% | 79.22% | Beats 12% | 23 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.33% | 0.76% | 2.35% | Beats 68% | 9 / 25 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.05% | Beats 44% | 15 / 25 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.25% | 10.27% | 12.02% | 13.99% | Beats 56% | 11 / 25 | ||
| Total Risk-Based Capital Ratio | 12.93% | 10.27% | 12.44% | 15.25% | Beats 56% | 11 / 25 | ||
| Equity / Assets | 7.86% | 8.64% | 10.07% | 11.05% | Beats 12% | 22 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.64% | 70.71% | 82.03% | 97.03% | 8th pctl | 23 / 25 | ||
| Loans / Assets | 55.73% | 62.67% | 74.54% | 84.24% | 12th pctl | 22 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||