Sedan, KS · Cert 4770 · Elevation Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 0.0% share · #53 of 59 inst. · $0.0B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.67% | 2.93% | 1.72% | 1.57% | 1.30% | 0.32% | 0.52% | -120 bps | |
| Return on Equity | 4.97% | 5.07% | 21.64% | 12.59% | 11.44% | 9.56% | 2.58% | 4.15% | -844 bps | |
| Net Interest Margin | 5.52% | 5.50% | 5.42% | 5.67% | 5.63% | 5.45% | 5.14% | 5.09% | -58 bps | |
| Efficiency Ratio | 82.88% | 82.16% | 56.30% | 68.02% | 69.71% | 72.97% | 89.38% | 85.73% | +1,771 bps | |
| Non-Interest Burden | 4.63% | 4.57% | 1.67% | 3.40% | 3.54% | 3.74% | 4.67% | 4.39% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.06% | 4.01% | 2.93% | 2.42% | 7.15% | 9.28% | 13.42% | 9.50% | +708 bps | |
| Loan Growth (YoY) | 19.81% | 20.83% | 26.34% | 20.06% | 24.99% | 47.20% | 44.30% | 30.87% | +1,081 bps | |
| Deposit Growth (YoY) | -9.82% | 4.15% | 1.37% | 1.08% | 6.91% | 6.60% | 16.26% | 11.24% | +1,016 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.63% | 0.14% | 0.03% | 0.09% | 0.07% | 0.06% | 0.69% | +66 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | 0.01% | 0.01% | 0.00% | 0.02% | 0.00% | 0.12% | +11 bps | |
| Allowance / Loans | 1.40% | 1.37% | 1.32% | 1.24% | 1.17% | 1.02% | 1.01% | 1.00% | -24 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.2x | 9.5x | 46.2x | 12.9x | 14.7x | 15.8x | 1.5x | -44.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.67% | 11.83% | 12.44% | 12.54% | 12.81% | 11.83% | 11.09% | 11.17% | -137 bps | |
| Total Risk-Based Capital | 11.67% | 11.83% | 12.44% | 12.54% | 12.81% | 11.83% | 11.09% | 11.17% | -137 bps | |
| Equity / Assets | 13.89% | 13.12% | 13.98% | 13.78% | 13.98% | 12.93% | 12.03% | 12.56% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.56% | 63.96% | 66.24% | 70.40% | 75.48% | 88.32% | 82.22% | 82.82% | +1,242 bps | |
| Liquid Assets / Assets | 16.53% | 13.63% | 11.68% | 8.07% | 5.73% | 4.99% | 4.36% | 3.69% | -439 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 300% | 323% | 447% | n/a | n/a | |