Kirkpatrick Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on equity: 18.52 percentage points higher than in Q1 2026, at 28.43%. Within Oklahoma, Kirkpatrick Bank is 18th of 169 on return on assets, 2.34% as of Q2 2026. Against a median of 1.27% for banks in the $1B-10B asset tier, Kirkpatrick Bank reported 2.34% on return on assets in Q2 2026, 1.07 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.28% |
| Tier 1 risk-based capital ratio | 15.28% |
| Total risk-based capital ratio | 16.54% |
| Tier 1 leverage ratio | 10.67% |
| Equity capital to assets | 9.07% |
| Tangible equity to tangible assets | 9.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 2.32% |
| Reserve coverage of non-performing loans | 819100.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.34% |
| Return on equity | 28.43% |
| Net interest margin | 3.16% |
| Efficiency ratio | 50.59% |
| Yield on earning assets | 4.99% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.37% |
| Core deposits to total deposits | 83.32% |
| Brokered deposits to total deposits | 10.06% |
| Deposits to assets | 88.79% |
| Securities to assets | 20.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.66% | 15.66% | 16.92% | 11.09% | 1.38% |
| Q4 2023 | 13.51% | 13.51% | 14.77% | 10.11% | -1.15% |
| Q1 2024 | 13.76% | 13.76% | 15.02% | 9.90% | 0.87% |
| Q2 2024 | 13.78% | 13.78% | 15.04% | 10.16% | 1.22% |
| Q3 2024 | 13.29% | 13.29% | 14.55% | 10.50% | 1.02% |
| Q4 2024 | 13.48% | 13.48% | 14.74% | 10.31% | 0.38% |
| Q1 2025 | 13.75% | 13.75% | 15.01% | 10.36% | 0.86% |
| Q2 2025 | 14.51% | 14.51% | 15.77% | 10.64% | 0.80% |
| Q3 2025 | 14.52% | 14.52% | 15.78% | 10.90% | 0.91% |
| Q4 2025 | 13.70% | 13.70% | 14.96% | 10.87% | 1.25% |
| Q1 2026 | 14.27% | 14.27% | 15.53% | 10.09% | 0.77% |
| Q2 2026 | 15.28% | 15.28% | 16.54% | 10.67% | 2.34% |
Kirkpatrick Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kirkpatrick Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Kirkpatrick Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20156) · FFIEC NIC profile (RSSD 67151)