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First Texoma National Bank

Durant, OK · Cert 13905 · FNB Financial Services Inc.

National charter · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

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 operating regionally (n=94). 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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

31

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 Texoma National Bank

Durant, OK · Cert 13905 · FNB Financial Services Inc.

National charter · OCC · 5 branches

Q2 2026

$225.4MAssets
$152.2MLoans
$202.3MDeposits
$22.6MEquity
Loan mix
86%RE $130.1M8%C&I $11.4M6%Consumer $9.0MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $119.5M41%Noninterest $82.8MQ2 2025Q2 2026

NIM

5.04%Q2 ’245.32%Q2 ’255.50%Q2 ’26+11%+8%

Non-interest income vs. expense

3.43%Q2 ’243.50%Q2 ’253.65%Q2 ’26+4%+6%

Market Position · Sherman-Denison, TX · 2026 SOD (annual) · 0.5% share · #13 of 17 inst. · $0.0B of $4.1B

4.1% Bryan
0.5% Grayson
5.0% Choctaw

Executive Summary

  • Earnings: ROA of 1.14%, up 19 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 3.38% of loans (+13 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 11.60%, up 12 bps from a year ago.
  • Funding: loans stand at 75.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+19 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+37 bps YoY

Efficiency Ratio (YTD, annualized)

70.09%-194 bps YoY

Tier 1 Leverage Ratio

11.60%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.03%0.97%1.23%1.14%+19 bps
Return on Equity10.44%10.88%10.20%12.43%11.48%+104 bps
Net Interest Margin4.35%4.50%4.54%4.74%4.71%+37 bps
Efficiency Ratio72.03%71.65%71.36%69.32%70.09%-194 bps
Non-Interest Burden2.98%3.07%3.08%3.12%3.15%+17 bps
Growth
Asset Growth (YoY)0.21%-2.07%-1.80%0.74%1.09%+88 bps
Loan Growth (YoY)-2.23%1.71%0.63%3.15%1.22%+345 bps
Deposit Growth (YoY)-0.13%-3.67%-3.02%0.05%0.37%+50 bps
Asset Quality
Nonperforming Loans / Loans3.25%3.40%3.51%3.34%3.38%+13 bps
Net Charge-Offs / Loans0.24%0.16%0.25%0.09%0.23%-1 bps
Allowance / Loans1.39%1.35%1.41%1.36%1.35%-3 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio11.47%11.91%11.13%11.52%11.60%+12 bps
Total Risk-Based Capital17.96%11.91%11.13%11.52%11.60%-637 bps
Equity / Assets9.43%10.34%9.93%9.87%10.05%+62 bps
Liquidity & Funding
Loans / Deposits74.62%78.61%77.40%76.20%75.25%+63 bps
Liquid Assets / Assets1.84%0.01%1.27%4.05%4.47%+263 bps
CRE / Total Capitaln/a201%217%220%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 Texoma National Bank

Durant, OK · Cert 13905 · Peer group: banks under $1B in assets operating regionally (n=94) · FNB Financial Services Inc.

National charter · OCC · 5 branches

Q2 2026

$225.4MAssets
$152.2MLoans
$202.3MDeposits
$22.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks under $1B in assets operating regionally (rank 9 of 94).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets operating regionally (rank 90 of 94).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.13%

Rank 52 of 94

Net Interest Margin

4.71%

Rank 9 of 94

Efficiency Ratio

70.09%

Rank 66 of 94

Equity / Assets

10.05%

Rank 54 of 94

Non-interest income vs. expense

$1.1M$8.2MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 31% of banks under $1B in assets operating regionally
Bank 70.09%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.82%1.19%1.46%Beats 45%52 / 94
Return on Equity11.23%7.85%11.84%14.03%Beats 48%49 / 94
Net Interest Margin4.71%3.42%3.81%4.18%Beats 90%9 / 94
Efficiency Ratio70.09%55.99%62.41%73.02%Beats 31%66 / 94
Asset Quality
Nonperforming Loans / Loans3.38%0.19%0.47%1.14%Beats 5%90 / 94
Net Charge-Offs / Loans0.13%0.00%0.02%0.05%Beats 13%83 / 94
Capital
Tier 1 Capital Ratio11.60%10.28%11.95%15.07%Beats 45%52 / 94
Total Risk-Based Capital Ratio11.60%10.31%12.59%15.88%Beats 41%55 / 94
Equity / Assets10.05%8.98%10.21%11.41%Beats 43%54 / 94
Liquidity & Funding
Loans / Deposits75.25%72.62%84.44%94.55%31st pctl65 / 94
Loans / Assets67.55%62.50%72.84%78.99%34th pctl62 / 94
Brokered Deposits / Depositsn/aNot reported for this institution