Oklahoma Capital 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.
Reserve coverage of non-performing loans climbed 23.91 percentage points in Q2 2026, from 333.68% to 357.59%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Oklahoma Capital Bank is 93rd of 169 on return on assets, 1.31% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Oklahoma Capital Bank sits 0.06 points higher, at 1.31% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.39% |
| Equity capital to assets | 12.62% |
| Tangible equity to tangible assets | 9.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.35% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 357.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 9.94% |
| Net interest margin | 4.70% |
| Efficiency ratio | 53.09% |
| Yield on earning assets | 7.23% |
| Cost of funds | 2.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.50% |
| Core deposits to total deposits | 87.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.43% |
| Securities to assets | 4.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.08% | 1.08% | 5.00% | 3.19% | 0.00% |
| Q4 2023 | 12.34% | -2.57% | 4.62% | 3.35% | 0.00% |
| Q1 2024 | 12.20% | 0.63% | 4.56% | 3.17% | -0.02% |
| Q2 2024 | 12.34% | 1.24% | 4.36% | 3.38% | 0.00% |
| Q3 2024 | 12.70% | 1.26% | 4.40% | 0.96% | 9.83% |
| Q4 2024 | 11.76% | 1.28% | 4.45% | 0.95% | 0.00% |
| Q1 2025 | 12.58% | 1.39% | 4.86% | 0.30% | 0.00% |
| Q2 2025 | 12.02% | 1.06% | 4.61% | 0.31% | 0.01% |
| Q3 2025 | 11.92% | 1.18% | 4.75% | 0.35% | 0.00% |
| Q4 2025 | 10.57% | 1.43% | 5.05% | 0.33% | -0.01% |
| Q1 2026 | 10.31% | 1.29% | 4.65% | 0.32% | -0.01% |
| Q2 2026 | 10.39% | 1.31% | 4.70% | 0.30% | 0.00% |
Oklahoma Capital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oklahoma Capital 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 Oklahoma Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18856) · FFIEC NIC profile (RSSD 284154)