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Spiro State Bank

Spiro, OK · Cert 16908 · Prairie Bell Holdings Inc.

State charter, non-member · FDIC · 3 branches

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

85

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

9

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

Spiro State Bank

Spiro, OK · Cert 16908 · Prairie Bell Holdings Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$129.9MAssets
$86.8MLoans
$104.7MDeposits
$24.9MEquity
Loan mix
57%RE $41.9M41%C&I $29.9M2%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $83.0M21%Noninterest $21.7MQ2 2025Q2 2026

NIM

2.83%Q2 ’245.46%Q2 ’255.44%Q2 ’26+66%-19%

Non-interest income vs. expense

2.82%Q2 ’244.19%Q2 ’253.57%Q2 ’26+61%-14%

Market Position · Tulsa, OK · 2026 SOD (annual) · 0.1% share · #49 of 59 inst. · $0.1B of $39.3B

0.2% Tulsa
5.6% Le Flore

Executive Summary

  • Earnings: ROA of 0.03%, down 25 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.09% of loans (-18 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 17.01%, up 452 bps from a year ago.
  • Funding: loans stand at 82.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.03%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.63%-84 bps YoY

Efficiency Ratio (YTD, annualized)

91.46%+456 bps YoY

Tier 1 Leverage Ratio

17.01%+452 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.06%0.11%-0.28%0.03%-25 bps
Return on Equity1.76%0.37%0.78%-2.37%0.23%-153 bps
Net Interest Margin4.47%4.27%4.16%3.57%3.63%-84 bps
Efficiency Ratio86.89%90.56%94.77%98.09%91.46%+456 bps
Non-Interest Burden3.81%3.81%3.89%3.48%3.29%-52 bps
Growth
Asset Growth (YoY)32.81%40.31%43.85%41.07%35.48%+267 bps
Loan Growth (YoY)303%273%134.26%91.80%81.08%-22,200 bps
Deposit Growth (YoY)39.64%51.10%52.32%48.85%28.48%-1,116 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.08%0.09%0.06%0.09%-18 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.11%0.05%+5 bps
Allowance / Loans0.98%0.93%0.86%0.91%0.83%-15 bps
Allowance Coverage of NPLs3.7x11.2x9.5x14.3x9.2x+5.6x
Capital
Tier 1 Leverage Ratio12.50%11.82%11.29%9.03%17.01%+452 bps
Total Risk-Based Capital12.50%11.82%11.29%9.03%17.01%+452 bps
Equity / Assets14.90%14.11%12.39%11.57%19.20%+430 bps
Liquidity & Funding
Loans / Deposits58.85%65.74%70.54%67.57%82.94%+2,409 bps
Liquid Assets / Assets8.29%7.94%6.56%9.03%5.67%-262 bps
CRE / Total Capitaln/a209%308%295%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

Spiro State Bank

Spiro, OK · Cert 16908 · Peer group: banks under $1B in assets in OK (n=88-89) · Prairie Bell Holdings Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$129.9MAssets
$86.8MLoans
$104.7MDeposits
$24.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 96% of banks under $1B in assets in OK (rank 4 of 89).
  • Widest gap: return on equity trails 92% of banks under $1B in assets in OK (rank 82 of 89).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.03%

Rank 82 of 89

Net Interest Margin

3.63%

Rank 59 of 89

Efficiency Ratio

93.93%

Rank 82 of 89

Equity / Assets

19.20%

Rank 4 of 89

Non-interest income vs. expense

$0.4M$4.6MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 9% of banks under $1B in assets in OK
Bank 93.93%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.03%0.85%1.26%1.60%Beats 8%82 / 89
Return on Equity0.17%7.40%11.89%14.65%Beats 8%82 / 89
Net Interest Margin3.63%3.46%3.93%4.45%Beats 34%59 / 89
Efficiency Ratio93.93%54.70%60.95%71.14%Beats 9%82 / 89
Asset Quality
Nonperforming Loans / Loans0.09%0.30%0.82%2.25%Beats 83%16 / 88
Net Charge-Offs / Loans0.02%0.00%0.03%0.20%Beats 52%43 / 88
Capital
Tier 1 Capital Ratio17.01%10.89%13.00%16.33%Beats 81%17 / 89
Total Risk-Based Capital Ratio17.01%11.20%13.06%16.33%Beats 78%20 / 89
Equity / Assets19.20%9.26%10.94%13.52%Beats 96%4 / 89
Liquidity & Funding
Loans / Deposits82.94%61.51%72.27%84.01%70th pctl26 / 88
Loans / Assets66.82%52.51%63.15%71.27%58th pctl37 / 89
Brokered Deposits / Depositsn/aNot reported for this institution