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

Executive Summary

  • Earnings: ROA of 1.46%, up 27 bps year over year; NIM at 4.91%.
  • Asset quality: problem loans at 0.67% of loans (-74 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.46%+27 bps YoY

Net Interest Margin (quarter, annualized)

4.91%+18 bps YoY

Efficiency Ratio (quarter, annualized)

65.03%-264 bps YoY

Tier 1 Leverage Ratio

13.06%+75 bps YoY

NIM

5.81%Q2 ’245.74%Q2 ’255.94%Q2 ’26-4%+4%

Non-interest income vs. expense

3.18%Q2 ’243.43%Q2 ’253.44%Q2 ’26+10%-1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%0.99%0.96%1.19%0.95%1.12%0.99%1.46%+27 bps
Return on Equity8.52%7.59%7.62%9.81%7.53%8.64%7.73%11.19%+137 bps
Net Interest Margin5.02%5.21%4.50%4.73%4.66%4.72%4.43%4.91%+18 bps
Efficiency Ratio69.08%70.23%73.00%67.67%76.00%68.69%73.83%65.03%-264 bps
Non-Interest Burden3.35%3.55%3.18%3.09%3.45%3.14%3.19%3.07%-3 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 / Loans0.08%0.48%-0.02%-0.02%0.11%0.04%-0.18%0.00%+2 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