Temple, OK · Cert 5999
State charter, Fed member · FED · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
51
Profitability
40
Liquidity
1
Efficiency
48
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Temple, OK · Cert 5999
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Lawton, OK · 2026 SOD (annual) · 0.9% share · #10 of 12 inst. · $0.0B of $2.3B
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 | 1.33% | 0.85% | 0.72% | 0.82% | 0.88% | 0.62% | 0.95% | 1.06% | +24 bps | |
| Return on Equity | 8.45% | 5.29% | 4.13% | 4.82% | 5.20% | 3.63% | 5.33% | 5.94% | +112 bps | |
| Net Interest Margin | 3.17% | 3.28% | 3.06% | 3.03% | 2.92% | 3.07% | 3.47% | 3.32% | +29 bps | |
| Efficiency Ratio | 62.48% | 73.79% | 77.29% | 73.81% | 71.74% | 81.59% | 70.40% | 68.74% | -507 bps | |
| Non-Interest Burden | 1.94% | 2.39% | 2.34% | 2.21% | 2.07% | 2.48% | 2.42% | 2.25% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | -8.11% | -8.62% | -0.33% | 4.61% | 8.22% | 10.08% | 1.05% | +138 bps | |
| Loan Growth (YoY) | -1.64% | -14.61% | -11.54% | 6.10% | 20.24% | 26.55% | 30.72% | 38.58% | +3,248 bps | |
| Deposit Growth (YoY) | -4.05% | -5.36% | -10.45% | -1.24% | 5.03% | -1.41% | 5.71% | -0.96% | +29 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.06% | 0.08% | 0.00% | 7.03% | 6.34% | 8.60% | +852 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.05% | 0.00% | 0.03% | 0.11% | 0.06% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 3.67% | 2.63% | 2.46% | 3.52% | 2.92% | 2.02% | 1.92% | 2.60% | -92 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 42.5x | 42.3x | n/a | 0.3x | 0.3x | 0.3x | -42.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.46% | 22.45% | 23.08% | 22.69% | 21.66% | 22.48% | 21.98% | 22.19% | -50 bps | |
| Total Risk-Based Capital | 21.46% | 22.45% | 23.08% | 22.69% | 21.66% | 22.48% | 21.98% | 22.19% | -50 bps | |
| Equity / Assets | 17.38% | 17.21% | 17.52% | 16.27% | 17.00% | 18.00% | 17.53% | 17.95% | +167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.43% | 49.63% | 55.64% | 33.15% | 38.27% | 63.71% | 68.80% | 46.39% | +1,323 bps | |
| Liquid Assets / Assets | 16.82% | 1.03% | 0.11% | 23.67% | 16.93% | 0.09% | 1.01% | 15.69% | -798 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.63% | 0.62% | 0.61% | n/a | n/a | |
Temple, OK · Cert 5999 · Peer group: banks under $1B in assets (n=570-617)
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
1.05%
Rank 292 of 617
Net Interest Margin
3.32%
Rank 382 of 617
Efficiency Ratio
68.74%
Rank 324 of 617
Equity / Assets
17.95%
Rank 91 of 617
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.60% | 1.01% | 1.45% | Beats 53% | 292 / 617 | ||
| Return on Equity | 5.88% | 5.30% | 9.43% | 13.30% | Beats 28% | 447 / 617 | ||
| Net Interest Margin | 3.32% | 3.04% | 3.54% | 4.05% | Beats 38% | 382 / 617 | ||
| Efficiency Ratio | 68.74% | 58.03% | 67.76% | 79.08% | Beats 48% | 324 / 617 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 8.60% | 0.09% | 0.47% | 1.27% | Beats 1% | 566 / 570 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.19% | 11.18% | 13.83% | 18.55% | Beats 81% | 116 / 617 | ||
| Total Risk-Based Capital Ratio | 22.19% | 11.56% | 14.39% | 19.39% | Beats 80% | 123 / 617 | ||
| Equity / Assets | 17.95% | 9.03% | 10.55% | 13.63% | Beats 85% | 91 / 617 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.39% | 64.77% | 79.70% | 93.06% | 10th pctl | 521 / 582 | ||
| Loans / Assets | 37.93% | 51.70% | 67.18% | 77.51% | 14th pctl | 530 / 617 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||