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State Exchange Bank, The

Lamont, OK · Cert 13551 · State Exchange Bancshares Inc.

State charter, non-member · FDIC · 1 branch

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=87 to 88). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

5

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

34

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

State Exchange Bank, The

Lamont, OK · Cert 13551 · State Exchange Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$89.6MAssets
$62.7MLoans
$78.6MDeposits
$9.7MEquity
Loan mix
83%RE $45.0M16%C&I $8.4M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $62.9M20%Noninterest $15.7MQ2 2025Q2 2026

NIM

6.96%Q2 ’245.73%Q2 ’256.16%Q2 ’26-28%+33%

Non-interest income vs. expense

1.95%Q2 ’242.55%Q2 ’252.73%Q2 ’26+29%+9%

Executive Summary

  • Earnings: ROA of 0.68%, up 425 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 6.88% of loans (-444 bps YoY), with net charge-offs at 0.60%.
  • Capital: tier 1 leverage ratio of 10.65%, up 194 bps from a year ago.
  • Funding: loans stand at 79.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+425 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+92 bps YoY

Efficiency Ratio (YTD, annualized)

67.51%-1,374 bps YoY

Tier 1 Leverage Ratio

10.65%+194 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.56%-2.26%-1.17%-0.03%0.68%+425 bps
Return on Equity-36.90%-23.24%-11.90%-0.29%6.51%+4,341 bps
Net Interest Margin2.77%3.14%3.47%3.40%3.69%+92 bps
Efficiency Ratio81.25%80.93%70.89%76.38%67.51%-1,374 bps
Non-Interest Burden2.19%2.48%2.37%2.56%2.38%+19 bps
Growth
Asset Growth (YoY)-19.09%-22.02%-18.39%-14.22%-5.97%+1,312 bps
Loan Growth (YoY)-24.70%-20.95%-22.55%-27.70%-16.66%+804 bps
Deposit Growth (YoY)-12.63%-17.43%-13.34%-10.25%-7.50%+513 bps
Asset Quality
Nonperforming Loans / Loans11.32%10.93%5.52%5.15%6.88%-444 bps
Net Charge-Offs / Loans8.63%5.61%4.12%1.14%0.60%-803 bps
Allowance / Loans1.91%2.04%2.50%2.75%2.84%+93 bps
Allowance Coverage of NPLs0.2x0.2x0.5x0.5x0.4x+0.2x
Capital
Tier 1 Leverage Ratio8.72%9.95%10.54%10.72%10.65%+194 bps
Total Risk-Based Capital8.72%9.95%10.54%10.72%10.65%+194 bps
Equity / Assets9.43%9.86%10.32%10.37%10.88%+145 bps
Liquidity & Funding
Loans / Deposits88.57%90.28%84.15%77.50%79.80%-877 bps
Liquid Assets / Assets12.58%9.14%16.43%19.15%20.96%+837 bps
CRE / Total Capitaln/a349%277%250%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

State Exchange Bank, The

Lamont, OK · Cert 13551 · Peer group: banks under $1B in assets in OK (n=87-88) · State Exchange Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$89.6MAssets
$62.7MLoans
$78.6MDeposits
$9.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 47% of banks under $1B in assets in OK (rank 47 of 88).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in OK (rank 85 of 87).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.71%

Rank 70 of 88

Net Interest Margin

3.69%

Rank 57 of 88

Efficiency Ratio

67.51%

Rank 59 of 88

Equity / Assets

10.88%

Rank 47 of 88

Non-interest income vs. expense

$0.3M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 34% of banks under $1B in assets in OK
Bank 67.51%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.71%0.85%1.26%1.62%Beats 20%70 / 88
Return on Equity6.54%7.40%11.89%14.66%Beats 20%70 / 88
Net Interest Margin3.69%3.51%3.93%4.47%Beats 35%57 / 88
Efficiency Ratio67.51%54.70%61.50%71.28%Beats 34%59 / 88
Asset Quality
Nonperforming Loans / Loans6.88%0.30%0.82%2.25%Beats 6%83 / 87
Net Charge-Offs / Loans1.17%0.00%0.03%0.20%Beats 3%85 / 87
Capital
Tier 1 Capital Ratio10.65%10.89%13.04%16.40%Beats 17%73 / 88
Total Risk-Based Capital Ratio10.65%11.20%13.09%16.43%Beats 15%75 / 88
Equity / Assets10.88%9.26%10.95%13.63%Beats 47%47 / 88
Liquidity & Funding
Loans / Deposits79.80%60.39%72.27%84.01%63rd pctl32 / 87
Loans / Assets69.99%52.51%63.37%71.46%65th pctl31 / 88
Brokered Deposits / Depositsn/aNot reported for this institution