Idabel, OK · Cert 4241 · Southeast Capital Corp.
National charter · OCC · 1 branch
Q2 2026
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 | 1.03% | 0.88% | 0.66% | 0.61% | 0.56% | 0.51% | 0.84% | 0.92% | +31 bps | |
| Return on Equity | 8.55% | 7.22% | 5.00% | 4.57% | 4.10% | 3.71% | 5.71% | 6.15% | +158 bps | |
| Net Interest Margin | 3.01% | 3.07% | 2.87% | 2.99% | 3.06% | 3.10% | 3.18% | 3.45% | +46 bps | |
| Efficiency Ratio | 48.23% | 50.69% | 57.63% | 56.06% | 53.93% | 56.47% | 52.82% | 49.02% | -704 bps | |
| Non-Interest Burden | 1.30% | 1.39% | 1.55% | 1.58% | 1.50% | 1.64% | 1.58% | 1.58% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.27% | -9.61% | -7.48% | -7.15% | -7.81% | -2.66% | -2.25% | -4.10% | +306 bps | |
| Loan Growth (YoY) | -6.75% | -10.98% | -9.72% | -11.16% | -11.61% | -11.73% | -12.40% | -15.04% | -389 bps | |
| Deposit Growth (YoY) | -4.49% | -12.36% | -9.63% | -7.76% | -8.73% | -1.52% | -1.90% | -5.20% | +256 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.33% | 4.57% | 8.02% | 8.64% | 9.03% | 9.60% | 9.40% | 8.39% | -25 bps | |
| Net Charge-Offs / Loans | 0.44% | 0.59% | 0.99% | 0.88% | 1.03% | 0.92% | 0.44% | 0.47% | -41 bps | |
| Allowance / Loans | 2.30% | 2.46% | 2.50% | 2.65% | 2.83% | 3.09% | 3.29% | 3.50% | +85 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.3x | 0.3x | 0.3x | 0.3x | 0.4x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.43% | 13.88% | 14.44% | 14.76% | 15.10% | 15.25% | 15.49% | 16.18% | +141 bps | |
| Total Risk-Based Capital | 19.10% | 20.07% | 20.55% | 20.89% | 21.66% | 22.42% | 23.28% | 24.81% | +392 bps | |
| Equity / Assets | 12.88% | 12.87% | 13.51% | 13.64% | 14.46% | 14.52% | 14.82% | 15.40% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.30% | 89.92% | 88.63% | 86.49% | 85.52% | 80.60% | 79.14% | 77.51% | -898 bps | |
| Liquid Assets / Assets | 0.02% | 1.79% | 0.52% | 0.13% | 0.02% | 0.15% | 0.03% | 0.03% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 337% | 318% | 307% | n/a | n/a | |