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 | |