PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Paycom National Trust Bank

Oklahoma City, OK · Cert 59363

FDIC

Q2 2026

$20.3MAssets
$0KLoans
$0KDeposits
$18.9MEquity

Executive Summary

  • Earnings: ROA of 35.26%, down 1,148 bps year over year; NIM at 3.37%.
  • Capital: tier 1 leverage ratio of 111.90%, down 539 bps from a year ago.

Return on Assets (YTD, annualized)

35.26%-1,148 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-69 bps YoY

Efficiency Ratio (YTD, annualized)

26.40%+96 bps YoY

Tier 1 Leverage Ratio

111.90%-539 bps YoY

NIM

1.70%Q3 ’244.06%Q2 ’253.37%Q2 ’26+139%-17%

Non-interest income vs. expense

5.48%Q3 ’2426.87%Q2 ’2519.48%Q2 ’26-893%+32%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets6.76%16.37%56.60%46.75%43.25%41.33%39.60%35.26%-1,148 bps
Return on Equity7.11%19.65%64.90%56.93%50.95%47.75%42.87%38.05%-1,888 bps
Net Interest Margin1.70%2.38%4.33%4.06%3.79%3.57%3.48%3.37%-69 bps
Efficiency Ratio37.27%29.56%21.23%25.43%26.66%27.58%23.95%26.40%+96 bps
Non-Interest Burden-7.52%-26.33%-91.64%-74.70%-61.00%-55.18%-59.78%-50.94%+2,377 bps
Growth
Asset Growth (YoY)n/an/an/an/a78.94%47.58%51.46%19.25%n/a
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio104.75%114.96%120.94%117.29%111.68%112.31%112.30%111.90%-539 bps
Total Risk-Based Capital357%426%241%163.39%280%281%281%293%+12,980 bps
Equity / Assets94.97%83.29%90.84%74.96%92.31%92.11%92.62%93.19%+1,823 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets91.02%72.13%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a