The State Exchange 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 19.91 percentage points in Q2 2026, from 39.81% to 59.72%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The State Exchange Bank is 59th of 169 on return on assets, 1.79% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, The State Exchange Bank reported 1.79% on return on assets in Q2 2026, 0.81 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.65% |
| Equity capital to assets | 10.88% |
| Tangible equity to tangible assets | 10.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.75% |
| Non-performing assets ratio | 3.32% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 37.45% |
| Allowance for credit losses to loans | 2.84% |
| Reserve coverage of non-performing loans | 59.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 16.90% |
| Net interest margin | 4.18% |
| Efficiency ratio | 60.36% |
| Yield on earning assets | 6.68% |
| Cost of funds | 2.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.80% |
| Core deposits to total deposits | 73.19% |
| Brokered deposits to total deposits | 18.38% |
| Deposits to assets | 87.71% |
| Securities to assets | 6.39% |
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 | 9.53% | 1.74% | 3.84% | 2.74% | -0.88% |
| Q4 2023 | 9.68% | 2.21% | 3.84% | 2.60% | -0.16% |
| Q1 2024 | 9.84% | 1.80% | 3.92% | 2.52% | -0.18% |
| Q2 2024 | 10.44% | 1.80% | 3.92% | 2.49% | -0.07% |
| Q3 2024 | 9.39% | -4.11% | 1.85% | 11.72% | 4.71% |
| Q4 2024 | 9.53% | 0.90% | 3.14% | 10.17% | -0.08% |
| Q1 2025 | 9.68% | 0.07% | 2.82% | 12.46% | -0.16% |
| Q2 2025 | 8.72% | -7.34% | 2.66% | 12.92% | 15.52% |
| Q3 2025 | 9.95% | 0.66% | 3.28% | 10.84% | -0.48% |
| Q4 2025 | 10.54% | 2.41% | 4.60% | 7.18% | -1.35% |
| Q1 2026 | 10.72% | -0.03% | 3.47% | 6.92% | 1.07% |
| Q2 2026 | 10.65% | 1.79% | 4.18% | 4.75% | 0.02% |
The State Exchange Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Exchange 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 The State Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13551) · FFIEC NIC profile (RSSD 354851)