Henryetta, OK · Cert 428
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.2% share · #44 of 59 inst. · $0.1B of $39.3B
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 | 1.49% | 1.59% | 1.42% | 1.64% | 1.56% | +7 bps | |
| Return on Equity | 11.32% | 11.88% | 10.50% | 12.13% | 11.57% | +25 bps | |
| Net Interest Margin | 4.80% | 4.98% | 5.03% | 4.95% | 4.92% | +12 bps | |
| Efficiency Ratio | 63.07% | 60.92% | 66.01% | 61.79% | 62.57% | -50 bps | |
| Non-Interest Burden | 2.83% | 2.83% | 3.13% | 2.86% | 2.90% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.00% | 5.73% | 7.64% | 9.28% | 5.80% | -20 bps | |
| Loan Growth (YoY) | 2.75% | 2.13% | 1.15% | 0.55% | 1.73% | -102 bps | |
| Deposit Growth (YoY) | 2.73% | 3.48% | 7.12% | 9.43% | 5.36% | +263 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.65% | 0.51% | 1.45% | 1.32% | +63 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.25% | 0.27% | -0.03% | -0.04% | -31 bps | |
| Allowance / Loans | 1.12% | 1.15% | 1.06% | 1.08% | 1.10% | -2 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 2.1x | 0.7x | 0.8x | -0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.38% | 14.07% | 14.46% | 13.55% | 13.54% | +16 bps | |
| Total Risk-Based Capital | 13.38% | 14.07% | 14.46% | 13.55% | 13.54% | +16 bps | |
| Equity / Assets | 12.99% | 14.04% | 14.07% | 12.97% | 13.43% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.77% | 92.90% | 91.17% | 83.74% | 85.72% | -305 bps | |
| Liquid Assets / Assets | 9.36% | 5.70% | 7.85% | 14.41% | 12.76% | +340 bps | |
| CRE / Total Capital | n/a | 75.72% | 77.27% | 70.83% | n/a | n/a | |