Grove, OK · Cert 57915 · Townsend Holding Co.
State charter, non-member · FDIC · 2 branches
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 | 0.99% | 1.01% | 1.05% | 2.62% | 2.19% | 1.93% | 0.97% | 0.88% | -174 bps | |
| Return on Equity | 11.86% | 11.93% | 12.09% | 28.48% | 22.83% | 19.65% | 9.00% | 8.39% | -2,010 bps | |
| Net Interest Margin | 3.07% | 3.13% | 3.15% | 3.19% | 3.26% | 3.41% | 3.28% | 3.21% | +2 bps | |
| Efficiency Ratio | 61.14% | 61.08% | 60.83% | 38.07% | 42.03% | 45.89% | 64.48% | 67.04% | +2,897 bps | |
| Non-Interest Burden | 1.81% | 1.84% | 1.84% | -0.10% | 0.47% | 0.88% | 2.04% | 2.10% | +220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.36% | -0.27% | 2.20% | -0.69% | -2.54% | -1.82% | -5.29% | 0.86% | +155 bps | |
| Loan Growth (YoY) | 4.21% | 0.92% | -1.04% | -2.52% | -1.47% | -0.36% | 3.26% | 8.90% | +1,142 bps | |
| Deposit Growth (YoY) | 4.64% | 4.33% | 1.74% | -2.93% | -5.11% | -6.31% | -7.64% | -1.09% | +185 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.06% | 0.16% | 0.19% | 0.19% | 0.96% | +90 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.09% | 0.02% | 0.02% | 0.02% | 0.02% | -0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 0.66% | 0.65% | 0.65% | 0.66% | 0.65% | 0.64% | 0.62% | 0.60% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 10.7x | 4.0x | 3.4x | 3.3x | 0.6x | -10.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.44% | 8.65% | 8.68% | 10.06% | 10.64% | 10.82% | 10.91% | 10.12% | +5 bps | |
| Total Risk-Based Capital | 16.73% | 16.83% | 17.72% | 19.93% | 20.90% | 20.49% | 20.61% | 17.54% | -239 bps | |
| Equity / Assets | 8.50% | 8.83% | 8.62% | 10.16% | 10.85% | 10.82% | 10.82% | 9.90% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.74% | 68.33% | 63.80% | 64.97% | 68.25% | 72.67% | 71.33% | 71.53% | +656 bps | |
| Liquid Assets / Assets | 35.17% | 32.17% | 36.57% | 37.78% | 35.86% | 33.07% | 32.76% | 33.36% | -442 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 151.36% | 150.84% | 152.92% | n/a | n/a | |