Guthrie, OK · Cert 5994 · Wdco Ventures LLC
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 1.1% share · #16 of 71 inst. · $0.6B of $60.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.30% | 0.70% | 0.86% | 1.41% | 0.95% | 0.85% | 0.98% | +13 bps | |
| Return on Equity | 3.77% | 2.77% | 6.60% | 8.26% | 14.30% | 10.14% | 8.86% | 10.06% | +180 bps | |
| Net Interest Margin | 3.47% | 3.63% | 3.54% | 3.91% | 4.54% | 3.85% | 3.56% | 3.52% | -38 bps | |
| Efficiency Ratio | 75.65% | 70.80% | 66.05% | 58.88% | 53.41% | 48.39% | 57.91% | 62.02% | +315 bps | |
| Non-Interest Burden | 2.46% | 2.39% | 2.16% | 2.11% | 2.24% | 1.68% | 1.95% | 2.15% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.44% | 51.70% | 46.71% | 46.19% | 42.84% | 40.37% | 36.73% | 39.02% | -717 bps | |
| Loan Growth (YoY) | 36.49% | 54.08% | 46.46% | 47.46% | 42.91% | 39.50% | 38.75% | 36.87% | -1,059 bps | |
| Deposit Growth (YoY) | 40.17% | 49.03% | 50.26% | 48.30% | 45.49% | 45.79% | 36.49% | 39.60% | -870 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.87% | 0.45% | 0.70% | 0.60% | 0.63% | 0.63% | 0.49% | -21 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.08% | 0.00% | 0.44% | -0.01% | 0.29% | 0.00% | -0.04% | -48 bps | |
| Allowance / Loans | 1.21% | 1.22% | 1.27% | 1.19% | 1.20% | 1.10% | 1.19% | 1.13% | -6 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.4x | 2.8x | 1.7x | 2.0x | 1.8x | 1.9x | 2.3x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.46% | 11.47% | 11.00% | 10.52% | 10.05% | 10.05% | 10.28% | 10.08% | -44 bps | |
| Total Risk-Based Capital | 14.77% | 13.57% | 13.91% | 12.85% | 12.66% | 12.09% | 12.71% | 12.44% | -41 bps | |
| Equity / Assets | 11.49% | 10.46% | 10.75% | 10.00% | 9.77% | 9.04% | 10.11% | 9.44% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.39% | 100.14% | 99.83% | 98.30% | 95.67% | 95.81% | 101.49% | 96.38% | -192 bps | |
| Liquid Assets / Assets | 7.81% | 6.67% | 6.55% | 5.31% | 5.97% | 6.90% | 4.99% | 6.42% | +111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 358% | 376% | 384% | n/a | n/a | |