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First State Bank, The

Pond Creek, OK · Cert 11527

State charter, non-member · FDIC · 2 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 OK3

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 OK (n=88 to 89). 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

45

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 2026-10-11

First State Bank, The

Pond Creek, OK · Cert 11527

State charter, non-member · FDIC · 2 branches

Q2 2026

$55.5MAssets
$47.1MLoans
$47.9MDeposits
$7.6MEquity
Loan mix
71%RE $28.3M23%C&I $9.0M6%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $32.8M31%Noninterest $15.1MQ2 2025Q2 2026

NIM

6.10%Q2 ’246.40%Q2 ’256.49%Q2 ’26+2%-3%

Non-interest income vs. expense

3.49%Q2 ’243.35%Q2 ’253.35%Q2 ’26-2%+1%

Market Position · Enid, OK · 2026 SOD (annual) · 0.1% share · #12 of 14 inst. · $0.0B of $5.8B

16.8% Grant
0.1% Garfield

Executive Summary

  • Earnings: ROA of 1.54%, down 15 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.32% of loans (+26 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.78%, down 95 bps from a year ago.
  • Funding: loans stand at 98.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.54%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.87%-17 bps YoY

Efficiency Ratio (YTD, annualized)

63.38%+214 bps YoY

Tier 1 Leverage Ratio

12.78%-95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.72%1.44%1.63%1.54%-15 bps
Return on Equity12.47%12.40%10.32%11.73%11.15%-133 bps
Net Interest Margin5.03%5.18%5.15%4.59%4.87%-17 bps
Efficiency Ratio61.25%60.45%63.96%59.64%63.38%+214 bps
Non-Interest Burden2.92%2.98%3.15%2.51%2.93%+2 bps
Growth
Asset Growth (YoY)5.77%1.35%5.59%5.73%-4.01%-979 bps
Loan Growth (YoY)5.18%7.85%13.05%8.43%5.09%-9 bps
Deposit Growth (YoY)5.31%-0.79%5.79%5.35%-3.92%-923 bps
Asset Quality
Nonperforming Loans / Loans0.06%2.08%1.75%1.14%0.32%+26 bps
Net Charge-Offs / Loans-0.02%-0.09%0.00%0.00%0.01%+3 bps
Allowance / Loans1.60%1.59%1.60%1.64%1.72%+12 bps
Allowance Coverage of NPLs27.6x0.8x0.9x1.4x5.3x-22.3x
Capital
Tier 1 Leverage Ratio13.73%14.59%14.63%13.86%12.78%-95 bps
Total Risk-Based Capital13.73%14.59%14.63%13.86%12.78%-95 bps
Equity / Assets13.70%14.74%14.36%13.48%13.63%-7 bps
Liquidity & Funding
Loans / Deposits89.87%99.27%105.99%93.29%98.30%+842 bps
Liquid Assets / Assets3.42%2.64%2.54%2.01%2.67%-75 bps
CRE / Total Capitaln/a44.05%47.86%50.23%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 2026-10-11

First State Bank, The

Pond Creek, OK · Cert 11527 · Peer group: banks under $1B in assets in OK (n=88-89)

State charter, non-member · FDIC · 2 branches

Q2 2026

$55.5MAssets
$47.1MLoans
$47.9MDeposits
$7.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 84% of banks under $1B in assets in OK (rank 14 of 89).
  • Widest gap: total risk-based capital ratio trails 56% of banks under $1B in assets in OK (rank 50 of 89).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.62%

Rank 22 of 89

Net Interest Margin

4.87%

Rank 14 of 89

Efficiency Ratio

63.38%

Rank 50 of 89

Equity / Assets

13.63%

Rank 21 of 89

Non-interest income vs. expense

$0.2M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 45% of banks under $1B in assets in OK
Bank 63.38%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.62%0.85%1.26%1.60%Beats 75%22 / 89
Return on Equity11.88%7.40%11.89%14.65%Beats 48%46 / 89
Net Interest Margin4.87%3.46%3.93%4.45%Beats 84%14 / 89
Efficiency Ratio63.38%54.70%60.95%71.14%Beats 45%50 / 89
Asset Quality
Nonperforming Loans / Loans0.32%0.30%0.82%2.25%Beats 73%25 / 88
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 70%27 / 88
Capital
Tier 1 Capital Ratio12.78%10.89%13.00%16.33%Beats 47%47 / 89
Total Risk-Based Capital Ratio12.78%11.20%13.06%16.33%Beats 44%50 / 89
Equity / Assets13.63%9.26%10.94%13.52%Beats 76%21 / 89
Liquidity & Funding
Loans / Deposits98.30%61.51%72.27%84.01%94th pctl5 / 88
Loans / Assets84.83%52.51%63.15%71.27%94th pctl5 / 89
Brokered Deposits / Depositsn/aNot reported for this institution