Now part of Cowboy Bank (Kremlin, OK). Figures below are from its last filing. All recent changes →
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +3.5% | +5.6% | -2.0 pts |
| ROA | 1.55% | 1.24% | +0.3 pts |
| ROE | 8.8% | 11.9% | -3.1 pts |
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $309.7M | $252.7M | $140.5M | $54.4M | $2.3M | 1.55% | 3.87% | 0.57% |
| Q1 2026 | $309.8M | $253.3M | $141.4M | $53.7M | $1.4M | 1.89% | 3.94% | 0.23% |
| Q4 2025 | $290.4M | $234.1M | $145.0M | $52.4M | $3.4M | 1.13% | 3.73% | 0.32% |
| Q3 2025 | $295.9M | $240.4M | $142.6M | $52.6M | $2.6M | 1.16% | 3.67% | 0.20% |
| Q2 2025 | $305.6M | $252.0M | $135.7M | $50.8M | $1.8M | 1.17% | 3.57% | 0.23% |
Loan mix (Q2 2026): real estate $87.4M · commercial $20.8M · consumer $15.1M · securities $83.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Stock Exchange Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% |
Peer lists, growth filters, CSV export, CRM push.
| 62.9% |
| — |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Stock Exchange Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Stock Exchange Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Stock Exchange Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Stock Exchange Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Stock Exchange Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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The Stock Exchange Bank is in an open deal as the target: Cowboy Bank to acquire Stock Exchange Bank (approved). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jul 30, 2026 | Target | Cowboy Bank | Merger | Approved | Federal Reserve |
| Jul 30, 2026 | Target | Cowboy Bank | Merger | Approved | Federal Reserve |
3 branches in 1 county across 1 state (+0 vs 2025) · $252.7M branch deposits. Biggest market: Woodward, OK, ranked 1st with 25.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Woodward, OK | 3 | $252.7M | 25.94% | 1st |
Oklahoma: 107th with 0.15% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3