Durant, OK · Cert 13905 · FNB Financial Services Inc.
National charter · OCC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
43
Asset Quality
9
Profitability
61
Liquidity
60
Efficiency
31
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.
Durant, OK · Cert 13905 · FNB Financial Services Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Sherman-Denison, TX · 2026 SOD (annual) · 0.5% share · #13 of 17 inst. · $0.0B of $4.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.86% | 1.00% | 0.96% | 1.03% | 0.97% | 1.23% | 1.14% | +19 bps | |
| Return on Equity | 10.09% | 9.41% | 11.03% | 10.44% | 10.88% | 10.20% | 12.43% | 11.48% | +104 bps | |
| Net Interest Margin | 3.91% | 4.03% | 4.24% | 4.35% | 4.50% | 4.54% | 4.74% | 4.71% | +37 bps | |
| Efficiency Ratio | 74.18% | 75.25% | 72.13% | 72.03% | 71.65% | 71.36% | 69.32% | 70.09% | -194 bps | |
| Non-Interest Burden | 2.72% | 2.86% | 2.91% | 2.98% | 3.07% | 3.08% | 3.12% | 3.15% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 0.34% | 1.50% | 0.21% | -2.07% | -1.80% | 0.74% | 1.09% | +88 bps | |
| Loan Growth (YoY) | -2.27% | -2.54% | -2.46% | -2.23% | 1.71% | 0.63% | 3.15% | 1.22% | +345 bps | |
| Deposit Growth (YoY) | 2.44% | 1.54% | 1.27% | -0.13% | -3.67% | -3.02% | 0.05% | 0.37% | +50 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.11% | 3.58% | 3.43% | 3.25% | 3.40% | 3.51% | 3.34% | 3.38% | +13 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.10% | 0.07% | 0.24% | 0.16% | 0.25% | 0.09% | 0.23% | -1 bps | |
| Allowance / Loans | 1.36% | 1.41% | 1.40% | 1.39% | 1.35% | 1.41% | 1.36% | 1.35% | -3 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.48% | 11.05% | 11.43% | 11.47% | 11.91% | 11.13% | 11.52% | 11.60% | +12 bps | |
| Total Risk-Based Capital | 11.48% | 11.05% | 11.43% | 17.96% | 11.91% | 11.13% | 11.52% | 11.60% | -637 bps | |
| Equity / Assets | 9.87% | 8.79% | 9.26% | 9.43% | 10.34% | 9.93% | 9.87% | 10.05% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.45% | 74.60% | 73.91% | 74.62% | 78.61% | 77.40% | 76.20% | 75.25% | +63 bps | |
| Liquid Assets / Assets | 2.74% | 1.66% | 3.44% | 1.84% | 0.01% | 1.27% | 4.05% | 4.47% | +263 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 201% | 217% | 220% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.82% | 1.19% | 1.46% | Beats 45% | 52 / 94 | ||
| Return on Equity | 11.23% | 7.85% | 11.84% | 14.03% | Beats 48% | 49 / 94 | ||
| Net Interest Margin | 4.71% | 3.42% | 3.81% | 4.18% | Beats 90% | 9 / 94 | ||
| Efficiency Ratio | 70.09% | 55.99% | 62.41% | 73.02% | Beats 31% | 66 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.38% | 0.19% | 0.47% | 1.14% | Beats 5% | 90 / 94 | ||
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.02% | 0.05% | Beats 13% | 83 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.60% | 10.28% | 11.95% | 15.07% | Beats 45% | 52 / 94 | ||
| Total Risk-Based Capital Ratio | 11.60% | 10.31% | 12.59% | 15.88% | Beats 41% | 55 / 94 | ||
| Equity / Assets | 10.05% | 8.98% | 10.21% | 11.41% | Beats 43% | 54 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.25% | 72.62% | 84.44% | 94.55% | 31st pctl | 65 / 94 | ||
| Loans / Assets | 67.55% | 62.50% | 72.84% | 78.99% | 34th pctl | 62 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||