Oklahoma City, OK · Cert 59363
FDIC
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 46.75% | 43.25% | 41.33% | 39.60% | 35.26% | -1,148 bps | |
| Return on Equity | 56.93% | 50.95% | 47.75% | 42.87% | 38.05% | -1,888 bps | |
| Net Interest Margin | 4.06% | 3.79% | 3.57% | 3.48% | 3.37% | -69 bps | |
| Efficiency Ratio | 25.43% | 26.66% | 27.58% | 23.95% | 26.40% | +96 bps | |
| Non-Interest Burden | -74.70% | -61.00% | -55.18% | -59.78% | -50.94% | +2,377 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | 78.94% | 47.58% | 51.46% | 19.25% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 117.29% | 111.68% | 112.31% | 112.30% | 111.90% | -539 bps | |
| Total Risk-Based Capital | 163.39% | 280% | 281% | 281% | 293% | +12,980 bps | |
| Equity / Assets | 74.96% | 92.31% | 92.11% | 92.62% | 93.19% | +1,823 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |