Alva, OK · Cert 9465 · Grace Inv Co. Inc. Esop the
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Enid, OK · 2026 SOD (annual) · 0.9% share · #8 of 14 inst. · $0.1B of $5.8B
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 | 1.71% | 1.58% | 1.67% | 0.96% | 0.82% | -89 bps | |
| Return on Equity | 13.05% | 11.85% | 12.81% | 7.73% | 6.48% | -658 bps | |
| Net Interest Margin | 3.51% | 3.45% | 3.14% | 2.83% | 2.90% | -61 bps | |
| Efficiency Ratio | 47.22% | 48.79% | 49.77% | 58.68% | 64.78% | +1,756 bps | |
| Non-Interest Burden | 1.52% | 1.55% | 1.44% | 1.56% | 1.80% | +28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.63% | 16.58% | 8.69% | 6.30% | 9.07% | -257 bps | |
| Loan Growth (YoY) | 16.92% | 18.80% | 8.00% | 0.47% | 9.46% | -746 bps | |
| Deposit Growth (YoY) | 15.23% | 17.04% | 9.55% | 9.36% | 8.18% | -705 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.75% | 0.29% | 0.26% | 2.28% | 1.28% | +53 bps | |
| Net Charge-Offs / Loans | -0.23% | -0.23% | -0.17% | -0.11% | -0.09% | +14 bps | |
| Allowance / Loans | 2.00% | 2.02% | 1.40% | 1.57% | 1.56% | -44 bps | |
| Allowance Coverage of NPLs | 2.7x | 7.0x | 5.3x | 0.7x | 1.2x | -1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.81% | 16.21% | 13.69% | 13.77% | 14.22% | -159 bps | |
| Total Risk-Based Capital | 25.14% | 23.95% | 20.76% | 22.02% | 21.82% | -331 bps | |
| Equity / Assets | 14.03% | 14.09% | 12.11% | 12.72% | 13.11% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.68% | 59.08% | 62.59% | 58.19% | 60.39% | +71 bps | |
| Liquid Assets / Assets | 4.41% | 4.77% | 4.34% | 6.00% | 5.53% | +112 bps | |
| CRE / Total Capital | n/a | 124.43% | 141.42% | 146.69% | n/a | n/a | |