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 | |