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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

$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