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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=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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

30

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

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 $1.9MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $22.9M23%Noninterest $6.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.32%0.96%1.09%1.05%1.07%0.99%1.24%+14 bps
Return on Equity11.34%10.42%7.62%8.71%8.31%8.42%7.73%9.46%+75 bps
Net Interest Margin5.04%5.14%4.50%4.57%4.67%4.75%4.43%4.71%+14 bps
Efficiency Ratio62.63%64.55%73.00%70.26%72.17%71.31%73.83%69.23%-102 bps
Non-Interest Burden3.01%3.18%3.18%3.10%3.27%3.29%3.19%3.16%+5 bps
Growth
Asset Growth (YoY)0.38%-1.95%1.61%5.73%1.37%3.84%-2.92%-6.09%-1,182 bps
Loan Growth (YoY)6.12%3.58%-2.91%-5.02%-11.42%-9.86%-6.68%-8.14%-312 bps
Deposit Growth (YoY)-0.07%-2.92%1.39%6.09%1.20%4.08%-3.74%-7.47%-1,355 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.08%1.79%1.41%1.32%1.14%1.03%0.67%-74 bps
Net Charge-Offs / Loans0.20%0.27%-0.02%-0.02%0.02%0.03%-0.18%-0.09%-8 bps
Allowance / Loans1.71%1.73%1.81%1.90%2.01%2.04%2.01%2.10%+20 bps
Allowance Coverage of NPLs5.1x21.4x1.0x1.3x1.5x1.8x1.9x3.1x+1.8x
Capital
Tier 1 Leverage Ratio12.82%13.06%12.47%12.31%12.61%12.95%12.66%13.06%+75 bps
Total Risk-Based Capital12.82%13.06%12.47%12.31%12.61%12.95%12.66%13.06%+75 bps
Equity / Assets12.82%13.32%12.01%12.34%12.83%13.06%12.66%13.52%+118 bps
Liquidity & Funding
Loans / Deposits82.19%85.58%74.09%73.92%71.94%74.12%71.83%73.38%-54 bps
Liquid Assets / Assets15.93%16.53%18.88%16.52%18.57%18.80%18.09%22.31%+579 bps
CRE / Total Capitaln/an/an/an/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 2026-10-10

First American Bank

Stonewall, OK · Cert 15762 · Peer group: banks under $1B in assets in OK (n=87-88)

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 88).
  • Widest gap: efficiency ratio trails 70% of banks under $1B in assets in OK (rank 63 of 88).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.26%

Rank 44 of 88

Net Interest Margin

4.71%

Rank 17 of 88

Efficiency Ratio

69.23%

Rank 63 of 88

Equity / Assets

13.52%

Rank 23 of 88

Non-interest income vs. expense

$0.1M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 30% of banks under $1B in assets in OK
Bank 69.23%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.26%0.85%1.26%1.62%Beats 50%44 / 88
Return on Equity9.35%7.40%11.89%14.66%Beats 40%53 / 88
Net Interest Margin4.71%3.51%3.93%4.47%Beats 81%17 / 88
Efficiency Ratio69.23%54.70%61.50%71.28%Beats 30%63 / 88
Asset Quality
Nonperforming Loans / Loans0.67%0.30%0.82%2.25%Beats 56%39 / 87
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 75%23 / 87
Capital
Tier 1 Capital Ratio13.06%10.89%13.04%16.40%Beats 52%42 / 88
Total Risk-Based Capital Ratio13.06%11.20%13.09%16.43%Beats 49%45 / 88
Equity / Assets13.52%9.26%10.95%13.63%Beats 74%23 / 88
Liquidity & Funding
Loans / Deposits73.38%60.39%72.27%84.01%52nd pctl42 / 87
Loans / Assets63.15%52.51%63.37%71.46%49th pctl45 / 88
Brokered Deposits / Depositsn/aNot reported for this institution