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 | |