Edmond, OK · Cert 9467 · First of Grandfield Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.4% share · #42 of 71 inst. · $0.3B 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 | 1.35% | 1.39% | 1.35% | 1.93% | 2.12% | 1.70% | 1.57% | 1.92% | -1 bps | |
| Return on Equity | 17.20% | 17.79% | 17.25% | 24.46% | 25.23% | 19.29% | 18.12% | 22.38% | -208 bps | |
| Net Interest Margin | 3.78% | 3.85% | 4.13% | 4.36% | 4.61% | 4.58% | 4.54% | 4.80% | +44 bps | |
| Efficiency Ratio | 60.66% | 60.84% | 60.86% | 55.97% | 55.16% | 58.40% | 60.26% | 57.13% | +116 bps | |
| Non-Interest Burden | 1.86% | 1.94% | 2.19% | 1.87% | 1.91% | 2.26% | 2.40% | 2.30% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.75% | 10.39% | 14.56% | 13.01% | 2.72% | 6.76% | 7.47% | 6.48% | -653 bps | |
| Loan Growth (YoY) | 13.05% | 11.25% | 15.51% | 15.74% | 3.21% | 7.58% | 6.66% | 6.50% | -924 bps | |
| Deposit Growth (YoY) | 19.21% | 13.03% | 13.31% | 10.22% | 4.53% | 3.21% | 6.11% | 3.52% | -670 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.00% | 0.14% | 0.06% | 0.08% | 0.00% | 0.00% | 0.32% | +25 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.89% | 0.85% | 0.87% | 0.86% | 0.90% | 0.87% | 0.87% | 0.87% | +1 bps | |
| Allowance Coverage of NPLs | 14.0x | 283.4x | 6.1x | 13.9x | 11.4x | 730.0x | 1144.0x | 2.7x | -11.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.07% | 8.10% | 8.16% | 8.12% | 8.66% | 9.05% | 8.97% | 8.70% | +58 bps | |
| Total Risk-Based Capital | 12.31% | 12.62% | 12.16% | 12.50% | 13.60% | 13.14% | 12.96% | 13.18% | +68 bps | |
| Equity / Assets | 7.73% | 7.94% | 7.77% | 8.01% | 8.86% | 8.80% | 8.55% | 8.64% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.33% | 98.51% | 98.55% | 97.86% | 96.10% | 102.69% | 99.07% | 100.68% | +282 bps | |
| Liquid Assets / Assets | 10.58% | 10.91% | 10.61% | 10.69% | 10.94% | 10.39% | 11.99% | 10.77% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 437% | 438% | 464% | n/a | n/a | |