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First American Bank

Stonewall, OK · Cert 15762

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=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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

29

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 American Bank

Stonewall, OK · Cert 15762

State charter, non-member · FDIC · 1 branch

Q2 2026

$34.3MAssets
$21.7MLoans
$29.5MDeposits
$4.6MEquity
Loan mix
60%RE $11.2M30%C&I $5.7M10%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $22.9M23%Noninterest $6.7MQ2 2025Q2 2026

NIM

5.81%Q2 ’245.56%Q2 ’255.75%Q2 ’26-8%+3%

Non-interest income vs. expense

3.16%Q2 ’243.46%Q2 ’253.50%Q2 ’26+12%+2%

Executive Summary

  • Earnings: ROA of 1.24%, up 14 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.67% of loans (-74 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 13.06%, up 75 bps from a year ago.
  • Funding: loans stand at 73.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+14 bps YoY

Efficiency Ratio (YTD, annualized)

69.23%-102 bps YoY

Tier 1 Leverage Ratio

13.06%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.05%1.07%0.99%1.24%+14 bps
Return on Equity8.71%8.31%8.42%7.73%9.46%+75 bps
Net Interest Margin4.57%4.67%4.75%4.43%4.71%+14 bps
Efficiency Ratio70.26%72.17%71.31%73.83%69.23%-102 bps
Non-Interest Burden3.10%3.27%3.29%3.19%3.16%+5 bps
Growth
Asset Growth (YoY)5.73%1.37%3.84%-2.92%-6.09%-1,182 bps
Loan Growth (YoY)-5.02%-11.42%-9.86%-6.68%-8.14%-312 bps
Deposit Growth (YoY)6.09%1.20%4.08%-3.74%-7.47%-1,355 bps
Asset Quality
Nonperforming Loans / Loans1.41%1.32%1.14%1.03%0.67%-74 bps
Net Charge-Offs / Loans-0.02%0.02%0.03%-0.18%-0.09%-8 bps
Allowance / Loans1.90%2.01%2.04%2.01%2.10%+20 bps
Allowance Coverage of NPLs1.3x1.5x1.8x1.9x3.1x+1.8x
Capital
Tier 1 Leverage Ratio12.31%12.61%12.95%12.66%13.06%+75 bps
Total Risk-Based Capital12.31%12.61%12.95%12.66%13.06%+75 bps
Equity / Assets12.34%12.83%13.06%12.66%13.52%+118 bps
Liquidity & Funding
Loans / Deposits73.92%71.94%74.12%71.83%73.38%-54 bps
Liquid Assets / Assets16.52%18.57%18.80%18.09%22.31%+579 bps
CRE / Total Capitaln/a24.32%23.75%27.89%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 American Bank

Stonewall, OK · Cert 15762 · Peer group: banks under $1B in assets in OK (n=88-89)

State charter, non-member · FDIC · 1 branch

Q2 2026

$34.3MAssets
$21.7MLoans
$29.5MDeposits
$4.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks under $1B in assets in OK (rank 17 of 89).
  • Widest gap: efficiency ratio trails 71% of banks under $1B in assets in OK (rank 64 of 89).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.26%

Rank 45 of 89

Net Interest Margin

4.71%

Rank 17 of 89

Efficiency Ratio

69.23%

Rank 64 of 89

Equity / Assets

13.52%

Rank 23 of 89

Non-interest income vs. expense

$0.1M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 29% of banks under $1B in assets in OK
Bank 69.23%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%0.85%1.26%1.60%Beats 49%45 / 89
Return on Equity9.35%7.40%11.89%14.65%Beats 39%54 / 89
Net Interest Margin4.71%3.46%3.93%4.45%Beats 81%17 / 89
Efficiency Ratio69.23%54.70%60.95%71.14%Beats 29%64 / 89
Asset Quality
Nonperforming Loans / Loans0.67%0.30%0.82%2.25%Beats 56%40 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 74%24 / 88
Capital
Tier 1 Capital Ratio13.06%10.89%13.00%16.33%Beats 53%42 / 89
Total Risk-Based Capital Ratio13.06%11.20%13.06%16.33%Beats 49%45 / 89
Equity / Assets13.52%9.26%10.94%13.52%Beats 74%23 / 89
Liquidity & Funding
Loans / Deposits73.38%61.51%72.27%84.01%52nd pctl42 / 88
Loans / Assets63.15%52.51%63.15%71.27%49th pctl45 / 89
Brokered Deposits / Depositsn/aNot reported for this institution