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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