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Corebank

Waynoka, OK · Cert 18063

State charter, non-member · FDIC · 2 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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

92

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

57

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

Corebank

Waynoka, OK · Cert 18063

State charter, non-member · FDIC · 2 branches

Q2 2026

$122.1MAssets
$94.8MLoans
$107.0MDeposits
$14.6MEquity
Loan mix
78%RE $73.8M21%C&I $19.8M1%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $95.3M11%Noninterest $11.7MQ3 2024Q2 2026

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #55 of 71 inst. · $0.1B of $60.8B

0.2% Oklahoma
4.4% Woods

Executive Summary

  • Earnings: ROA of 1.52%, up 47 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.78%, up 190 bps from a year ago.
  • Funding: loans stand at 88.57% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.52%+47 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+45 bps YoY

Efficiency Ratio (YTD, annualized)

57.91%-386 bps YoY

Tier 1 Leverage Ratio

11.78%+190 bps YoY

NIM

7.14%Q2 ’246.94%Q2 ’257.01%Q2 ’26-2%+12%

Non-interest income vs. expense

2.38%Q2 ’242.36%Q2 ’252.73%Q2 ’26+0%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.02%1.03%1.05%1.13%1.18%1.07%1.52%+47 bps
Return on Equity9.46%9.95%10.44%10.69%11.20%11.53%9.85%13.57%+288 bps
Net Interest Margin3.85%3.77%3.96%3.69%3.92%4.08%4.01%4.14%+45 bps
Efficiency Ratio64.19%63.47%64.36%61.77%60.96%60.00%65.24%57.91%-386 bps
Non-Interest Burden2.47%2.38%2.50%2.23%2.34%2.40%2.58%2.16%-7 bps
Growth
Asset Growth (YoY)23.21%11.90%27.17%17.20%3.64%7.64%-2.52%-5.62%-2,282 bps
Loan Growth (YoY)22.94%13.92%14.97%10.51%3.27%6.04%-0.75%-3.27%-1,378 bps
Deposit Growth (YoY)24.09%11.26%28.26%17.52%2.17%6.97%-4.12%-7.43%-2,494 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%-0.01%0.00%0 bps
Allowance / Loans1.04%1.06%1.05%1.05%1.05%1.05%1.10%1.09%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.61%10.45%10.53%9.88%10.58%11.15%11.16%11.78%+190 bps
Total Risk-Based Capital10.61%10.45%10.53%9.88%10.58%11.15%11.16%11.78%+190 bps
Equity / Assets9.93%10.29%9.40%9.92%10.81%10.92%10.86%11.97%+205 bps
Liquidity & Funding
Loans / Deposits89.35%91.31%81.29%84.76%90.32%90.52%84.14%88.57%+381 bps
Liquid Assets / Assets1.95%1.86%0.94%2.65%5.28%5.80%6.29%7.14%+449 bps
CRE / Total Capitaln/an/an/an/a174.37%213%166.16%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

Corebank

Waynoka, OK · Cert 18063 · Peer group: banks under $1B in assets in OK (n=88-89)

State charter, non-member · FDIC · 2 branches

Q2 2026

$122.1MAssets
$94.8MLoans
$107.0MDeposits
$14.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 12 of 88).
  • Widest gap: total risk-based capital ratio trails 65% of banks under $1B in assets in OK (rank 58 of 89).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.57%

Rank 24 of 89

Net Interest Margin

4.14%

Rank 34 of 89

Efficiency Ratio

57.91%

Rank 39 of 89

Equity / Assets

11.97%

Rank 36 of 89

Non-interest income vs. expense

$0.7M$3.4MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 57% of banks under $1B in assets in OK
Bank 57.91%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.57%0.85%1.26%1.60%Beats 73%24 / 89
Return on Equity13.10%7.40%11.89%14.65%Beats 60%36 / 89
Net Interest Margin4.14%3.46%3.93%4.45%Beats 62%34 / 89
Efficiency Ratio57.91%54.70%60.95%71.14%Beats 57%39 / 89
Asset Quality
Nonperforming Loans / Loans0.00%0.30%0.82%2.25%Beats 100%12 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 83%16 / 88
Capital
Tier 1 Capital Ratio11.78%10.89%13.00%16.33%Beats 35%58 / 89
Total Risk-Based Capital Ratio11.78%11.20%13.06%16.33%Beats 35%58 / 89
Equity / Assets11.97%9.26%10.94%13.52%Beats 60%36 / 89
Liquidity & Funding
Loans / Deposits88.57%61.51%72.27%84.01%84th pctl14 / 88
Loans / Assets77.63%52.51%63.15%71.27%89th pctl10 / 89
Brokered Deposits / Depositsn/aNot reported for this institution