Oklahoma City, OK · Cert 59148
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.6% share · #30 of 71 inst. · $0.4B 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 | 0.89% | 1.01% | 1.21% | 1.18% | 1.20% | 1.20% | 1.21% | 1.34% | +15 bps | |
| Return on Equity | 6.53% | 7.48% | 9.07% | 8.64% | 8.99% | 8.98% | 9.25% | 10.36% | +172 bps | |
| Net Interest Margin | 3.60% | 3.63% | 3.95% | 4.19% | 4.01% | 3.79% | 4.05% | 4.12% | -7 bps | |
| Efficiency Ratio | 63.99% | 62.38% | 60.14% | 60.83% | 59.12% | 58.68% | 59.75% | 55.33% | -550 bps | |
| Non-Interest Burden | 2.24% | 2.20% | 2.24% | 2.44% | 2.28% | 2.14% | 2.36% | 2.20% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.98% | 15.29% | 16.45% | 3.61% | 13.23% | 12.48% | 15.74% | 26.73% | +2,312 bps | |
| Loan Growth (YoY) | 12.36% | 8.36% | 10.34% | 9.51% | 8.11% | 17.65% | 20.86% | 26.02% | +1,651 bps | |
| Deposit Growth (YoY) | 17.74% | 16.53% | 17.38% | 2.21% | 13.65% | 12.70% | 16.71% | 29.72% | +2,751 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.41% | -0.02% | -0.02% | -0.02% | -0.02% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 1.27% | 1.33% | 1.23% | 1.26% | 1.25% | 1.29% | 1.26% | 1.25% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.90% | 12.89% | 13.69% | 14.61% | 13.77% | 12.99% | 13.22% | 13.29% | -131 bps | |
| Total Risk-Based Capital | 15.35% | 16.52% | 16.38% | 16.99% | 16.09% | 16.15% | 15.81% | 15.36% | -163 bps | |
| Equity / Assets | 12.79% | 13.35% | 13.41% | 14.34% | 12.61% | 13.23% | 12.86% | 12.64% | -170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.00% | 93.64% | 94.03% | 101.24% | 91.33% | 97.74% | 97.37% | 98.35% | -289 bps | |
| Liquid Assets / Assets | 1.29% | 1.25% | 1.08% | 1.38% | 1.48% | 1.93% | 1.96% | 1.91% | +53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 271% | 276% | 295% | n/a | n/a | |