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Exchange Bank and Trust Company

Perry, OK · Cert 13366 · Perry Bancshares Inc.

State charter, Fed member · FED · 3 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

62

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

Exchange Bank and Trust Company

Perry, OK · Cert 13366 · Perry Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$428.7MAssets
$323.2MLoans
$385.9MDeposits
$37.4MEquity
Loan mix
82%RE $242.5M11%C&I $32.1M8%Consumer $22.7MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $304.7M21%Noninterest $81.2MQ2 2025Q2 2026

NIM

5.55%Q2 ’245.79%Q2 ’256.06%Q2 ’26+11%+13%

Non-interest income vs. expense

2.77%Q2 ’242.83%Q2 ’252.75%Q2 ’260%-8%

Executive Summary

  • Earnings: ROA of 1.47%, up 47 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 1.59% of loans (+1 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.75%, up 35 bps from a year ago.
  • Funding: loans stand at 83.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.47%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+45 bps YoY

Efficiency Ratio (YTD, annualized)

57.54%-923 bps YoY

Tier 1 Leverage Ratio

10.75%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.09%1.10%1.40%1.47%+47 bps
Return on Equity13.58%14.39%14.27%16.54%17.26%+368 bps
Net Interest Margin3.50%3.61%3.65%3.95%3.95%+45 bps
Efficiency Ratio66.77%65.14%64.40%58.49%57.54%-923 bps
Non-Interest Burden2.09%2.08%2.09%1.97%1.92%-17 bps
Growth
Asset Growth (YoY)3.99%3.33%4.45%6.75%4.17%+18 bps
Loan Growth (YoY)3.60%4.72%9.06%8.76%8.48%+488 bps
Deposit Growth (YoY)4.82%3.19%3.01%6.18%3.41%-141 bps
Asset Quality
Nonperforming Loans / Loans1.58%1.44%1.67%1.60%1.59%+1 bps
Net Charge-Offs / Loans0.16%0.11%0.11%0.12%0.07%-10 bps
Allowance / Loans1.29%1.31%1.28%1.29%1.31%+2 bps
Allowance Coverage of NPLs0.8x0.9x0.8x0.8x0.8x0.0x
Capital
Tier 1 Leverage Ratio10.41%10.58%10.57%10.69%10.75%+35 bps
Total Risk-Based Capital15.34%15.52%15.59%15.84%16.04%+70 bps
Equity / Assets7.36%8.13%8.44%8.45%8.73%+137 bps
Liquidity & Funding
Loans / Deposits79.83%81.93%84.20%81.32%83.75%+392 bps
Liquid Assets / Assets1.58%1.61%2.23%4.06%1.50%-7 bps
CRE / Total Capitaln/a295%295%280%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

Exchange Bank and Trust Company

Perry, OK · Cert 13366 · Peer group: banks under $1B in assets in OK (n=88-89) · Perry Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$428.7MAssets
$323.2MLoans
$385.9MDeposits
$37.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 83% of banks under $1B in assets in OK (rank 15 of 89).
  • Widest gap: equity / assets trails 84% of banks under $1B in assets in OK (rank 75 of 89).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.47%

Rank 28 of 89

Net Interest Margin

3.95%

Rank 43 of 89

Efficiency Ratio

57.54%

Rank 35 of 89

Equity / Assets

8.73%

Rank 75 of 89

Non-interest income vs. expense

$3.6M$11.8MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 62% of banks under $1B in assets in OK
Bank 57.54%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.47%0.85%1.26%1.60%Beats 69%28 / 89
Return on Equity16.81%7.40%11.89%14.65%Beats 83%15 / 89
Net Interest Margin3.95%3.46%3.93%4.45%Beats 52%43 / 89
Efficiency Ratio57.54%54.70%60.95%71.14%Beats 62%35 / 89
Asset Quality
Nonperforming Loans / Loans1.59%0.30%0.82%2.25%Beats 35%58 / 88
Net Charge-Offs / Loans0.04%0.00%0.03%0.20%Beats 43%51 / 88
Capital
Tier 1 Capital Ratio14.69%10.89%13.00%16.33%Beats 69%28 / 89
Total Risk-Based Capital Ratio16.04%11.20%13.06%16.33%Beats 72%25 / 89
Equity / Assets8.73%9.26%10.94%13.52%Beats 16%75 / 89
Liquidity & Funding
Loans / Deposits83.75%61.51%72.27%84.01%73rd pctl24 / 88
Loans / Assets75.38%52.51%63.15%71.27%84th pctl14 / 89
Brokered Deposits / Depositsn/aNot reported for this institution