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Oakwood State Bank, The

Oakwood, TX · Cert 10334

FDIC · 6 branches

Q3 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q3 2024peer median (50)

Asset Quality

57

Q2 2024Q3 2024peer median (50)

Profitability

5

Q2 2024Q3 2024peer median (50)

Liquidity

15

Q2 2024Q3 2024peer median

Efficiency

4

Q2 2024Q3 2024peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oakwood State Bank, The

Oakwood, TX · Cert 10334

FDIC · 6 branches

Q3 2024

$862.0MAssets
$700.2MLoans
$741.4MDeposits
$82.5MEquity
Loan mix
51%RE $283.8M49%C&I $272.4M1%Consumer $2.9MQ3 2023Q3 2024
Deposit mix
85%Interest-bearing $632.9M15%Noninterest $108.5MQ3 2023Q3 2024

NIM

3.79%Q3 ’226.18%Q3 ’236.51%Q3 ’24+15%-15%

Non-interest income vs. expense

2.16%Q3 ’222.66%Q3 ’233.79%Q3 ’24+27%+45%

Market Position · Dallas-Fort Worth-Arlington, TX · 2024 SOD (annual) · 0.1% share · #59 of 172 inst. · $0.6B of $654.0B

0.1% Dallas
0.5% Collin
18.1% Scurry
3.2% Leon

Executive Summary

  • Earnings: ROA of -0.68%, down 140 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.00% of loans (-95 bps YoY), with net charge-offs at 0.46%.
  • Capital: tier 1 leverage ratio of 8.76%, down 178 bps from a year ago.
  • Funding: loans stand at 94.44% of deposits as of Q3 2024.

Financial Results

Return on Assets (YTD, annualized)

-0.68%-140 bps YoY

Net Interest Margin (YTD, annualized)

3.23%-57 bps YoY

Efficiency Ratio (YTD, annualized)

112.36%+4,486 bps YoY

Tier 1 Leverage Ratio

8.76%-178 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets0.71%0.62%0.66%0.74%-0.68%-140 bps
Return on Equity6.56%5.68%6.12%6.75%-6.44%-1,300 bps
Net Interest Margin3.80%3.57%3.28%3.32%3.23%-57 bps
Efficiency Ratio67.50%68.02%71.87%70.23%112.36%+4,486 bps
Non-Interest Burden2.51%2.36%2.31%2.28%3.63%+112 bps
Growth
Asset Growth (YoY)5.28%4.47%4.13%6.40%4.42%-86 bps
Loan Growth (YoY)3.10%-2.39%2.41%9.06%5.61%+251 bps
Deposit Growth (YoY)8.61%14.34%8.76%7.04%3.63%-497 bps
Asset Quality
Nonperforming Loans / Loans0.95%0.62%0.55%0.49%0.00%-95 bps
Net Charge-Offs / Loans0.41%0.62%0.03%0.01%0.46%+5 bps
Allowance / Loans0.74%0.65%0.67%0.66%0.68%-5 bps
Allowance Coverage of NPLs0.8x1.1x1.2x1.3xn/an/a
Capital
Tier 1 Leverage Ratio10.53%10.18%10.34%10.52%8.76%-178 bps
Total Risk-Based Capital11.52%11.73%11.81%11.63%10.24%-128 bps
Equity / Assets10.83%10.76%10.98%11.05%9.57%-126 bps
Liquidity & Funding
Loans / Deposits92.68%89.34%92.93%96.18%94.44%+177 bps
Liquid Assets / Assets12.54%15.38%12.04%9.59%11.68%-87 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Oakwood State Bank, The

Oakwood, TX · Cert 10334 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28)

FDIC · 6 branches

Q3 2024

$862.0MAssets
$700.2MLoans
$741.4MDeposits
$82.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 7 of 28).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 28 of 28).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-0.67%

Rank 28 of 28

Net Interest Margin

3.23%

Rank 24 of 28

Efficiency Ratio

112.78%

Rank 28 of 28

Equity / Assets

9.57%

Rank 20 of 28

Non-interest income vs. expense

$1.4M$32.9MINCOMEEXPENSE
Unfavorable gap of $31.6M · efficiency ratio beats 4% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 112.78%Peer median 64.8%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.67%0.88%1.26%1.63%Beats 0%28 / 28
Return on Equity-7.01%8.04%11.24%14.83%Beats 0%28 / 28
Net Interest Margin3.23%3.54%4.05%4.62%Beats 14%24 / 28
Efficiency Ratio112.78%52.68%64.81%68.78%Beats 4%28 / 28
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.10%0.49%Beats 100%7 / 28
Net Charge-Offs / Loans0.34%0.00%0.02%0.07%Beats 14%25 / 28
Capital
Tier 1 Capital Ratio9.54%11.34%13.66%16.80%Beats 7%26 / 28
Total Risk-Based Capital Ratio10.24%11.35%14.92%17.86%Beats 11%25 / 28
Equity / Assets9.57%8.99%10.47%13.06%Beats 29%20 / 28
Liquidity & Funding
Loans / Deposits94.44%71.43%83.50%94.40%79th pctl6 / 28
Loans / Assets81.23%61.36%68.76%78.56%89th pctl3 / 28
Brokered Deposits / Depositsn/aNot reported for this institution