Cordell, OK · Cert 9875 · Rocky Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.73% | 1.05% | 1.83% | 1.26% | 0.96% | 0.72% | 1.31% | 1.26% | 0 bps | |
| Return on Equity | 19.85% | 12.15% | 21.46% | 14.46% | 10.90% | 8.21% | 14.46% | 13.54% | -92 bps | |
| Net Interest Margin | 4.56% | 4.65% | 4.95% | 4.60% | 4.32% | 4.27% | 4.63% | 4.96% | +35 bps | |
| Efficiency Ratio | 60.62% | 70.41% | 55.74% | 66.67% | 72.50% | 79.08% | 63.78% | 67.88% | +121 bps | |
| Non-Interest Burden | 2.47% | 3.20% | 2.65% | 2.97% | 3.05% | 3.32% | 2.86% | 3.26% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.75% | 11.39% | 10.41% | 4.07% | 2.89% | 1.26% | -6.70% | -1.46% | -554 bps | |
| Loan Growth (YoY) | -0.98% | -1.97% | -3.55% | -5.27% | -2.12% | 4.82% | 13.23% | 12.25% | +1,752 bps | |
| Deposit Growth (YoY) | 10.39% | 12.39% | 11.15% | 3.94% | 2.60% | 0.71% | -8.13% | -2.21% | -615 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.99% | 2.16% | 4.18% | 4.16% | 4.34% | 4.09% | 3.88% | 3.97% | -19 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | -0.02% | -0.03% | -0.02% | -0.02% | -0.02% | -0.02% | +1 bps | |
| Allowance / Loans | 1.06% | 1.08% | 1.12% | 1.18% | 1.16% | 1.10% | 1.05% | 1.11% | -6 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.78% | 8.65% | 8.56% | 8.83% | 8.88% | 8.86% | 9.08% | 9.36% | +53 bps | |
| Total Risk-Based Capital | 8.78% | 15.53% | 18.35% | 16.19% | 17.18% | 16.57% | 15.78% | 9.36% | -683 bps | |
| Equity / Assets | 8.64% | 8.56% | 8.53% | 8.90% | 8.79% | 8.84% | 9.36% | 9.25% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.88% | 89.95% | 86.37% | 86.80% | 87.66% | 93.62% | 106.46% | 99.63% | +1,283 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.04% | 0.00% | 0.02% | 0.04% | 0.02% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 323% | 348% | 362% | n/a | n/a | |