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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.34% | 0.33% | 0.40% | 0.43% | +9 bps | |
| Return on Equity | 4.31% | 4.25% | 4.11% | 5.12% | 5.54% | +122 bps | |
| Net Interest Margin | 3.22% | 3.27% | 3.30% | 3.36% | 3.42% | +20 bps | |
| Efficiency Ratio | 88.47% | 88.72% | 89.38% | 85.93% | 84.45% | -402 bps | |
| Non-Interest Burden | 2.78% | 2.83% | 2.88% | 2.82% | 2.81% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.04% | -8.47% | 9.93% | 11.21% | 8.26% | +1,130 bps | |
| Loan Growth (YoY) | -3.45% | -4.76% | -1.72% | 1.70% | 16.49% | +1,993 bps | |
| Deposit Growth (YoY) | -4.17% | -9.49% | 13.51% | 11.32% | 5.10% | +927 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.12% | 1.12% | 1.07% | 0.39% | +27 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.06% | 0.05% | +4 bps | |
| Allowance / Loans | 0.91% | 0.93% | 0.87% | 0.81% | 0.77% | -14 bps | |
| Allowance Coverage of NPLs | 7.1x | 7.5x | 0.8x | 0.8x | 2.0x | -5.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.93% | 8.97% | 9.00% | 8.41% | 8.45% | -48 bps | |
| Total Risk-Based Capital | 14.38% | 14.55% | 14.24% | 13.52% | 12.93% | -146 bps | |
| Equity / Assets | 7.90% | 8.23% | 8.22% | 7.43% | 7.86% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.52% | 55.68% | 55.61% | 53.65% | 62.64% | +612 bps | |
| Liquid Assets / Assets | 9.60% | 8.49% | 7.82% | 10.37% | 3.19% | -641 bps | |
| CRE / Total Capital | n/a | 279% | 277% | 292% | n/a | n/a | |