Norman, OK · Cert 58680
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Oklahoma City, OK area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
96
Profitability
35
Liquidity
64
Efficiency
28
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Norman, OK · Cert 58680
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.2% share · #52 of 71 inst. · $0.1B 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 | 0.42% | -0.10% | 0.62% | 0.76% | 0.94% | 0.94% | 0.60% | 0.70% | -7 bps | |
| Return on Equity | 4.23% | -1.09% | 7.17% | 8.79% | 10.73% | 10.56% | 6.16% | 7.13% | -166 bps | |
| Net Interest Margin | 3.25% | 3.33% | 3.58% | 3.56% | 3.57% | 3.63% | 3.73% | 3.81% | +24 bps | |
| Efficiency Ratio | 84.61% | 80.61% | 80.27% | 76.17% | 71.61% | 71.92% | 81.29% | 79.22% | +305 bps | |
| Non-Interest Burden | 2.73% | 2.67% | 2.85% | 2.68% | 2.52% | 2.58% | 3.02% | 3.00% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.56% | 24.37% | 20.56% | 10.75% | 10.32% | 5.30% | -1.03% | -3.76% | -1,451 bps | |
| Loan Growth (YoY) | 27.41% | 23.47% | 19.90% | 15.59% | 2.93% | -4.20% | -5.10% | -4.75% | -2,034 bps | |
| Deposit Growth (YoY) | 29.88% | 28.23% | 23.19% | 11.77% | 11.08% | 4.54% | -2.17% | -5.02% | -1,678 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.81% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.69% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.90% | 0.95% | 0.96% | 1.01% | 1.11% | 1.11% | 1.12% | 1.15% | +14 bps | |
| Allowance Coverage of NPLs | 1.1x | n/a | n/a | n/a | n/a | n/a | n/a | 11.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.67% | 9.13% | 9.19% | 9.06% | 9.32% | 9.65% | 10.10% | 10.27% | +121 bps | |
| Total Risk-Based Capital | 14.29% | 13.29% | 13.21% | 13.82% | 15.02% | 15.82% | 10.10% | 10.27% | -355 bps | |
| Equity / Assets | 9.44% | 8.77% | 8.59% | 8.63% | 9.04% | 9.58% | 9.76% | 9.97% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.13% | 94.66% | 91.62% | 89.46% | 84.45% | 86.74% | 88.88% | 89.72% | +25 bps | |
| Liquid Assets / Assets | 1.29% | 1.46% | 1.57% | 2.17% | 1.71% | 2.43% | 2.51% | 6.08% | +391 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 360% | 339% | 353% | n/a | n/a | |
Norman, OK · Cert 58680 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.70%
Rank 17 of 25
Net Interest Margin
3.81%
Rank 14 of 25
Efficiency Ratio
79.22%
Rank 19 of 25
Equity / Assets
9.97%
Rank 14 of 25
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.70% | 0.60% | 0.90% | 1.27% | Beats 32% | 17 / 25 | ||
| Return on Equity | 7.00% | 6.92% | 9.16% | 13.29% | Beats 28% | 18 / 25 | ||
| Net Interest Margin | 3.81% | 3.56% | 3.82% | 4.10% | Beats 44% | 14 / 25 | ||
| Efficiency Ratio | 79.22% | 56.35% | 63.12% | 79.22% | Beats 28% | 19 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.33% | 0.76% | 2.35% | Beats 92% | 3 / 25 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 8 / 25 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.27% | 10.27% | 12.02% | 13.99% | Beats 24% | 19 / 25 | ||
| Total Risk-Based Capital Ratio | 10.27% | 10.27% | 12.44% | 15.25% | Beats 24% | 19 / 25 | ||
| Equity / Assets | 9.97% | 8.64% | 10.07% | 11.05% | Beats 44% | 14 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.72% | 70.71% | 82.03% | 97.03% | 52nd pctl | 12 / 25 | ||
| Loans / Assets | 79.23% | 62.67% | 74.54% | 84.24% | 60th pctl | 10 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||