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First Bank and Trust Company

Clinton, OK · Cert 15348 · Clinton Bancshares Inc.

State charter, Fed member · FED · 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=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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

93

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

64

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 Bank and Trust Company

Clinton, OK · Cert 15348 · Clinton Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$58.2MAssets
$21.2MLoans
$47.1MDeposits
$8.6MEquity
Loan mix
67%RE $13.7M15%C&I $3.1M18%Consumer $3.8MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $31.7M33%Noninterest $15.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.43%, down 8 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.02% of loans (-57 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.68%, up 43 bps from a year ago.
  • Funding: loans stand at 45.08% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.43%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.92%-20 bps YoY

Efficiency Ratio (YTD, annualized)

57.17%+28 bps YoY

Tier 1 Leverage Ratio

16.68%+43 bps YoY

NIM

5.14%Q2 ’244.81%Q2 ’254.69%Q2 ’26-11%-5%

Non-interest income vs. expense

2.51%Q2 ’242.50%Q2 ’252.40%Q2 ’26+12%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.94%1.83%1.71%1.51%1.48%1.51%1.32%1.43%-8 bps
Return on Equity16.02%15.10%13.37%11.47%11.08%11.11%9.24%9.91%-156 bps
Net Interest Margin4.22%4.31%4.13%4.12%4.19%4.28%3.71%3.92%-20 bps
Efficiency Ratio49.27%51.97%52.07%56.89%57.17%57.58%58.58%57.17%+28 bps
Non-Interest Burden1.84%2.00%1.97%2.22%2.29%2.33%2.09%2.12%-10 bps
Growth
Asset Growth (YoY)8.07%-3.72%0.17%0.58%-8.36%-5.47%3.14%1.81%+123 bps
Loan Growth (YoY)3.98%1.90%-0.60%-3.10%-5.91%-1.33%-0.67%6.48%+958 bps
Deposit Growth (YoY)12.75%-3.68%1.56%1.86%-6.40%-6.60%1.69%1.04%-82 bps
Asset Quality
Nonperforming Loans / Loans1.00%0.77%0.45%0.59%0.03%0.48%0.10%0.02%-57 bps
Net Charge-Offs / Loans0.16%0.12%0.00%0.06%0.06%0.05%0.00%0.00%-6 bps
Allowance / Loans1.27%1.28%1.30%1.33%1.30%1.25%1.26%1.23%-10 bps
Allowance Coverage of NPLs1.3x1.7x2.9x2.3x43.7x2.6x12.4x65.3x+63.0x
Capital
Tier 1 Leverage Ratio14.89%14.81%15.95%16.25%16.17%16.49%16.01%16.68%+43 bps
Total Risk-Based Capital14.89%14.81%15.95%16.25%16.17%16.49%16.01%16.68%+43 bps
Equity / Assets12.65%12.25%13.32%13.92%13.95%14.66%13.98%14.78%+86 bps
Liquidity & Funding
Loans / Deposits43.19%45.68%44.19%42.78%43.41%48.25%43.17%45.08%+230 bps
Liquid Assets / Assets28.11%30.03%31.79%32.80%33.36%34.24%37.57%38.87%+607 bps
CRE / Total Capitaln/an/an/an/a10.16%8.96%9.15%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 Bank and Trust Company

Clinton, OK · Cert 15348 · Peer group: banks under $1B in assets in OK (n=88-89) · Clinton Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$58.2MAssets
$21.2MLoans
$47.1MDeposits
$8.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
  • Widest gap: return on equity trails 58% of banks under $1B in assets in OK (rank 52 of 89).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.41%

Rank 31 of 89

Net Interest Margin

3.92%

Rank 46 of 89

Efficiency Ratio

57.17%

Rank 33 of 89

Equity / Assets

14.78%

Rank 16 of 89

Non-interest income vs. expense

$0.2M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 64% of banks under $1B in assets in OK
Bank 57.17%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.41%0.85%1.26%1.60%Beats 65%31 / 89
Return on Equity9.55%7.40%11.89%14.65%Beats 42%52 / 89
Net Interest Margin3.92%3.46%3.93%4.45%Beats 48%46 / 89
Efficiency Ratio57.17%54.70%60.95%71.14%Beats 64%33 / 89
Asset Quality
Nonperforming Loans / Loans0.02%0.30%0.82%2.25%Beats 85%14 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio16.68%10.89%13.00%16.33%Beats 79%19 / 89
Total Risk-Based Capital Ratio16.68%11.20%13.06%16.33%Beats 76%21 / 89
Equity / Assets14.78%9.26%10.94%13.52%Beats 82%16 / 89
Liquidity & Funding
Loans / Deposits45.08%61.51%72.27%84.01%15th pctl75 / 88
Loans / Assets36.52%52.51%63.15%71.27%15th pctl76 / 89
Brokered Deposits / Depositsn/aNot reported for this institution