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Chickasaw Community Bank

Oklahoma City, OK · Cert 11521 · Chickasaw Banc Holding Co.

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Oklahoma City, OK area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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 Oklahoma City, OK area (n=25). 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

91

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

8

Q2 2024Q2 2026peer 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 2026-10-10

Chickasaw Community Bank

Oklahoma City, OK · Cert 11521 · Chickasaw Banc Holding Co.

State charter, Fed member · FED · 5 branches

Q2 2026

$557.1MAssets
$325.1MLoans
$490.0MDeposits
$61.8MEquity
Loan mix
92%RE $234.0M7%C&I $16.9M2%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $439.7M10%Noninterest $50.2MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.57%Q2 ’254.34%Q2 ’26+25%-6%

Non-interest income vs. expense

3.91%Q2 ’243.12%Q2 ’253.13%Q2 ’26-13%-5%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.6% share · #28 of 71 inst. · $0.4B of $60.8B

0.8% Oklahoma
4.3% Pontotoc
1.9% Garvin

Executive Summary

  • Earnings: ROA of 0.75%, up 25 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 2.78% of loans (+49 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.03%, down 263 bps from a year ago.
  • Funding: loans stand at 66.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.26%-23 bps YoY

Efficiency Ratio (YTD, annualized)

85.43%+264 bps YoY

Tier 1 Leverage Ratio

11.03%-263 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.51%0.34%0.89%0.75%+25 bps
Return on Equity3.80%3.99%2.72%7.82%6.61%+282 bps
Net Interest Margin3.49%3.53%3.66%3.52%3.26%-23 bps
Efficiency Ratio82.79%82.61%87.69%91.52%85.43%+264 bps
Non-Interest Burden2.84%2.86%3.19%3.19%2.71%-13 bps
Growth
Asset Growth (YoY)8.18%8.50%-7.15%-2.65%23.67%+1,550 bps
Loan Growth (YoY)-17.52%-13.02%-6.94%-8.72%22.08%+3,959 bps
Deposit Growth (YoY)0.66%3.83%-6.44%-0.84%26.94%+2,628 bps
Asset Quality
Nonperforming Loans / Loans2.29%2.25%3.83%3.33%2.78%+49 bps
Net Charge-Offs / Loans0.05%0.03%0.04%-0.02%-0.01%-6 bps
Allowance / Loans1.46%1.41%1.38%1.50%1.44%-2 bps
Allowance Coverage of NPLs0.6x0.6x0.4x0.5x0.5x-0.1x
Capital
Tier 1 Leverage Ratio13.66%11.52%11.73%11.79%11.03%-263 bps
Total Risk-Based Capital30.76%24.05%22.73%24.24%21.24%-952 bps
Equity / Assets13.56%11.25%11.50%11.33%11.10%-246 bps
Liquidity & Funding
Loans / Deposits69.00%68.09%72.33%65.01%66.36%-265 bps
Liquid Assets / Assets25.05%24.95%18.80%25.22%23.72%-134 bps
CRE / Total Capitaln/a191.20%214%234%n/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 2026-10-10

Chickasaw Community Bank

Oklahoma City, OK · Cert 11521 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Chickasaw Banc Holding Co.

State charter, Fed member · FED · 5 branches

Q2 2026

$557.1MAssets
$325.1MLoans
$490.0MDeposits
$61.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Oklahoma City, OK area (rank 8 of 25).
  • Widest gap: efficiency ratio trails 92% of banks under $1B in assets in the Oklahoma City, OK area (rank 24 of 25).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.64%

Rank 18 of 25

Net Interest Margin

3.26%

Rank 23 of 25

Efficiency Ratio

85.43%

Rank 24 of 25

Equity / Assets

11.10%

Rank 5 of 25

Non-interest income vs. expense

$2.3M$17.3MINCOMEEXPENSE
Unfavorable gap of $14.9M · efficiency ratio beats 8% of banks under $1B in assets in the Oklahoma City, OK area
Bank 85.43%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.60%0.90%1.27%Beats 28%18 / 25
Return on Equity5.80%6.92%9.16%13.29%Beats 16%21 / 25
Net Interest Margin3.26%3.56%3.82%4.10%Beats 8%23 / 25
Efficiency Ratio85.43%56.35%63.12%79.22%Beats 8%24 / 25
Asset Quality
Nonperforming Loans / Loans2.78%0.33%0.76%2.35%Beats 24%20 / 25
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%8 / 25
Capital
Tier 1 Capital Ratio19.98%10.27%12.02%13.99%Beats 96%1 / 25
Total Risk-Based Capital Ratio21.24%10.27%12.44%15.25%Beats 96%1 / 25
Equity / Assets11.10%8.64%10.07%11.05%Beats 80%5 / 25
Liquidity & Funding
Loans / Deposits66.36%70.71%82.03%97.03%16th pctl21 / 25
Loans / Assets58.37%62.67%74.54%84.24%16th pctl21 / 25
Brokered Deposits / Depositsn/aNot reported for this institution