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First State Bank

Anadarko, OK · Cert 12283

State charter, Fed member · FED · 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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

54

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

Anadarko, OK · Cert 12283

State charter, Fed member · FED · 2 branches

Q2 2026

$139.6MAssets
$40.9MLoans
$130.5MDeposits
$8.4MEquity
Loan mix
62%RE $15.3M22%C&I $5.4M17%Consumer $4.2MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $116.1M11%Noninterest $14.3MQ2 2025Q2 2026

NIM

3.53%Q2 ’243.58%Q2 ’253.77%Q2 ’26+4%+12%

Non-interest income vs. expense

1.61%Q2 ’241.64%Q2 ’251.77%Q2 ’26+2%-7%

Executive Summary

  • Earnings: ROA of 0.82%, up 13 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 0.34% of loans (-20 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 11.21%, down 29 bps from a year ago.
  • Funding: loans stand at 31.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.34%+25 bps YoY

Efficiency Ratio (YTD, annualized)

60.02%-621 bps YoY

Tier 1 Leverage Ratio

11.21%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.74%0.44%1.01%0.82%+13 bps
Return on Equity14.54%14.08%8.13%16.97%13.82%-73 bps
Net Interest Margin2.09%2.16%2.19%2.36%2.34%+25 bps
Efficiency Ratio66.22%64.25%76.27%57.53%60.02%-621 bps
Non-Interest Burden1.26%1.25%1.58%1.09%1.16%-9 bps
Growth
Asset Growth (YoY)8.87%7.90%10.66%7.29%6.46%-241 bps
Loan Growth (YoY)4.11%24.65%16.07%14.19%22.58%+1,848 bps
Deposit Growth (YoY)7.41%7.66%8.44%6.20%5.73%-168 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.40%0.43%0.39%0.34%-20 bps
Net Charge-Offs / Loans0.02%0.01%0.02%0.08%0.09%+6 bps
Allowance / Loans2.36%2.18%2.38%2.45%2.50%+13 bps
Allowance Coverage of NPLs4.4x5.4x5.5x6.3x7.4x+3.0x
Capital
Tier 1 Leverage Ratio11.50%11.81%11.42%11.08%11.21%-29 bps
Total Risk-Based Capital11.50%11.81%11.42%11.08%11.21%-29 bps
Equity / Assets5.39%6.56%5.87%5.98%6.02%+64 bps
Liquidity & Funding
Loans / Deposits27.03%30.98%27.85%27.71%31.34%+431 bps
Liquid Assets / Assets17.40%14.90%16.32%18.11%14.58%-282 bps
CRE / Total Capitaln/a53.78%52.06%58.16%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

Anadarko, OK · Cert 12283 · Peer group: banks under $1B in assets in OK (n=88-89)

State charter, Fed member · FED · 2 branches

Q2 2026

$139.6MAssets
$40.9MLoans
$130.5MDeposits
$8.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 72% of banks under $1B in assets in OK (rank 26 of 88).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets in OK (rank 88 of 89).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.84%

Rank 68 of 89

Net Interest Margin

2.34%

Rank 88 of 89

Efficiency Ratio

60.02%

Rank 42 of 89

Equity / Assets

6.02%

Rank 86 of 89

Non-interest income vs. expense

$0.9M$2.6MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 54% of banks under $1B in assets in OK
Bank 60.02%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.85%1.26%1.60%Beats 24%68 / 89
Return on Equity14.03%7.40%11.89%14.65%Beats 70%27 / 89
Net Interest Margin2.34%3.46%3.93%4.45%Beats 1%88 / 89
Efficiency Ratio60.02%54.70%60.95%71.14%Beats 54%42 / 89
Asset Quality
Nonperforming Loans / Loans0.34%0.30%0.82%2.25%Beats 72%26 / 88
Net Charge-Offs / Loans0.05%0.00%0.03%0.20%Beats 42%52 / 88
Capital
Tier 1 Capital Ratio11.21%10.89%13.00%16.33%Beats 27%65 / 89
Total Risk-Based Capital Ratio11.21%11.20%13.06%16.33%Beats 26%66 / 89
Equity / Assets6.02%9.26%10.94%13.52%Beats 3%86 / 89
Liquidity & Funding
Loans / Deposits31.34%61.51%72.27%84.01%5th pctl84 / 88
Loans / Assets29.29%52.51%63.15%71.27%7th pctl83 / 89
Brokered Deposits / Depositsn/aNot reported for this institution