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First Security Bank and Trust Company

Oklahoma City, OK · Cert 17001 · FSB Bancshares Inc.

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 the Oklahoma City, OK area3

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 the Oklahoma City, OK area (n=25). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

36

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 2026-10-12

First Security Bank and Trust Company

Oklahoma City, OK · Cert 17001 · FSB Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$226.0MAssets
$199.3MLoans
$180.7MDeposits
$23.8MEquity
Loan mix
63%RE $134.8M35%C&I $74.1M2%Consumer $4.2MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $163.2M10%Noninterest $17.5MQ3 2024Q2 2026

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.3% share · #46 of 71 inst. · $0.2B of $60.8B

Executive Summary

  • Earnings: ROA of 0.18%, down 51 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 13.20% of loans (+1,087 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 10.09%, down 45 bps from a year ago.
  • Funding: loans stand at 110.32% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.18%-51 bps YoY

Net Interest Margin (YTD, annualized)

3.96%-92 bps YoY

Efficiency Ratio (YTD, annualized)

74.64%+2,401 bps YoY

Tier 1 Leverage Ratio

10.09%-45 bps YoY

NIM

8.67%Q2 ’248.14%Q2 ’257.22%Q2 ’26-14%-19%

Non-interest income vs. expense

3.62%Q2 ’242.74%Q2 ’253.23%Q2 ’26-26%+29%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.64%1.41%-1.52%0.70%0.83%0.99%0.93%0.18%-51 bps
Return on Equity9.15%8.41%-12.80%6.22%7.75%9.57%9.79%1.87%-435 bps
Net Interest Margin5.23%4.70%5.23%4.89%4.14%3.95%3.82%3.96%-92 bps
Efficiency Ratio57.34%55.90%53.31%50.63%55.12%56.60%63.74%74.64%+2,401 bps
Non-Interest Burden2.77%2.41%2.55%2.22%2.07%2.04%2.25%2.87%+65 bps
Growth
Asset Growth (YoY)46.42%46.41%72.13%80.54%64.01%46.00%21.69%-0.57%-8,111 bps
Loan Growth (YoY)43.83%54.29%72.70%84.77%63.98%37.05%14.27%-4.48%-8,925 bps
Deposit Growth (YoY)56.50%50.03%128.24%124.84%109.80%96.01%25.58%2.56%-12,228 bps
Asset Quality
Nonperforming Loans / Loans0.89%1.85%1.61%2.33%7.76%7.19%8.89%13.20%+1,087 bps
Net Charge-Offs / Loans0.12%0.30%0.10%0.39%0.26%0.22%0.02%0.06%-33 bps
Allowance / Loans1.14%1.20%2.06%1.67%1.60%1.57%1.68%2.07%+40 bps
Allowance Coverage of NPLs1.3x0.6x1.3x0.7x0.2x0.2x0.2x0.2x-0.6x
Capital
Tier 1 Leverage Ratio16.94%14.27%11.56%10.54%9.65%9.45%9.62%10.09%-45 bps
Total Risk-Based Capital18.71%15.87%14.72%12.88%12.48%9.45%9.62%10.09%-279 bps
Equity / Assets15.61%13.20%10.77%10.04%9.32%9.27%9.75%10.54%+50 bps
Liquidity & Funding
Loans / Deposits142.67%148.09%116.08%118.44%111.51%103.55%105.62%110.32%-812 bps
Liquid Assets / Assets0.14%0.14%0.14%0.22%0.38%0.16%0.15%0.29%+7 bps
CRE / Total Capitaln/an/an/an/a401%364%307%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 2026-10-12

First Security Bank and Trust Company

Oklahoma City, OK · Cert 17001 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · FSB Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$226.0MAssets
$199.3MLoans
$180.7MDeposits
$23.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 60% of banks under $1B in assets in the Oklahoma City, OK area (rank 10 of 25).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets in the Oklahoma City, OK area (rank 25 of 25).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.20%

Rank 24 of 25

Net Interest Margin

3.96%

Rank 11 of 25

Efficiency Ratio

74.64%

Rank 17 of 25

Equity / Assets

10.54%

Rank 10 of 25

Non-interest income vs. expense

$0.9M$7.6MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 36% of banks under $1B in assets in the Oklahoma City, OK area
Bank 74.64%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.20%0.60%0.90%1.27%Beats 4%24 / 25
Return on Equity1.87%6.92%9.16%13.29%Beats 4%24 / 25
Net Interest Margin3.96%3.56%3.82%4.10%Beats 56%11 / 25
Efficiency Ratio74.64%56.35%63.12%79.22%Beats 36%17 / 25
Asset Quality
Nonperforming Loans / Loans13.20%0.33%0.76%2.35%Beats 4%25 / 25
Net Charge-Offs / Loans0.03%n/a0.00%0.05%Beats 40%16 / 25
Capital
Tier 1 Capital Ratio10.09%10.27%12.02%13.99%Beats 20%20 / 25
Total Risk-Based Capital Ratio10.09%10.27%12.44%15.25%Beats 20%20 / 25
Equity / Assets10.54%8.64%10.07%11.05%Beats 60%10 / 25
Liquidity & Funding
Loans / Deposits110.32%70.71%82.03%97.03%96th pctl1 / 25
Loans / Assets88.22%62.67%74.54%84.24%96th pctl1 / 25
Brokered Deposits / Depositsn/aNot reported for this institution