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Oklahoma Capital Bank

Tulsa, OK · Cert 18856 · Sooner SW Bankshares Inc.

State charter, Fed member · FED · 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 the Tulsa, 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 Tulsa, OK area (n=18). 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

72

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

Oklahoma Capital Bank

Tulsa, OK · Cert 18856 · Sooner SW Bankshares Inc.

State charter, Fed member · FED · 3 affiliate banks · 3 branches (10 in holding)

Q2 2026

$196.3MAssets
$162.2MLoans
$159.8MDeposits
$24.8MEquity
Loan mix
83%RE $126.1M16%C&I $24.4M0%Consumer $0.5MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $132.8M17%Noninterest $27.0MQ3 2024Q2 2026

Market Position · Tulsa, OK · 2026 SOD (annual) · 0.4% share · #34 of 59 inst. · $0.2B of $39.3B

0.4% Tulsa
1.8% Osage

Executive Summary

  • Earnings: ROA of 1.29%, up 9 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 0.30% of loans (-1 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.39%, down 163 bps from a year ago.
  • Funding: loans stand at 101.50% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.29%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.52%+1 bps YoY

Efficiency Ratio (YTD, annualized)

53.04%-427 bps YoY

Tier 1 Leverage Ratio

10.39%-163 bps YoY

NIM

7.09%Q2 ’246.89%Q2 ’256.76%Q2 ’26+5%+0%

Non-interest income vs. expense

2.57%Q2 ’242.67%Q2 ’252.38%Q2 ’26-4%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.13%1.35%1.20%1.19%1.25%1.31%1.29%+9 bps
Return on Equity6.60%7.03%8.63%7.78%7.79%8.42%9.79%9.86%+209 bps
Net Interest Margin4.33%4.29%4.67%4.51%4.45%4.39%4.56%4.52%+1 bps
Efficiency Ratio60.26%59.98%56.96%57.31%56.59%54.98%53.00%53.04%-427 bps
Non-Interest Burden2.49%2.46%2.37%2.39%2.36%2.27%2.32%2.31%-8 bps
Growth
Asset Growth (YoY)5.17%2.52%1.76%10.75%13.61%22.15%16.01%21.06%+1,031 bps
Loan Growth (YoY)-8.97%-1.15%1.82%17.59%27.08%37.86%32.16%30.91%+1,333 bps
Deposit Growth (YoY)8.13%4.69%1.50%13.18%21.87%24.82%19.42%21.69%+852 bps
Asset Quality
Nonperforming Loans / Loans0.97%1.28%0.31%0.31%0.35%0.33%0.32%0.30%-1 bps
Net Charge-Offs / Loans3.28%2.43%0.00%0.01%0.00%0.00%-0.01%-0.01%-1 bps
Allowance / Loans0.92%0.94%0.96%0.99%1.00%1.01%1.06%1.06%+7 bps
Allowance Coverage of NPLs1.0x0.7x3.1x3.2x2.8x3.1x3.3x3.6x+0.3x
Capital
Tier 1 Leverage Ratio12.70%11.76%12.58%12.02%11.92%10.57%10.31%10.39%-163 bps
Total Risk-Based Capital12.70%11.76%12.58%12.02%11.92%10.57%10.31%10.39%-163 bps
Equity / Assets16.47%16.16%15.21%14.96%14.72%13.40%13.29%12.62%-235 bps
Liquidity & Funding
Loans / Deposits88.74%92.05%90.59%94.35%92.53%101.67%100.25%101.50%+715 bps
Liquid Assets / Assets14.11%12.25%14.13%12.97%8.59%6.05%6.36%6.70%-627 bps
CRE / Total Capitaln/an/an/an/a477%598%577%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

Oklahoma Capital Bank

Tulsa, OK · Cert 18856 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18) · Sooner SW Bankshares Inc.

State charter, Fed member · FED · 3 affiliate banks · 3 branches (10 in holding)

Q2 2026

$196.3MAssets
$162.2MLoans
$159.8MDeposits
$24.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Tulsa, OK area (rank 4 of 18).
  • Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in the Tulsa, OK area (rank 16 of 18).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.22%

Rank 12 of 18

Net Interest Margin

4.52%

Rank 7 of 18

Efficiency Ratio

53.50%

Rank 6 of 18

Equity / Assets

12.62%

Rank 6 of 18

Non-interest income vs. expense

$0.1M$4.4MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 72% of banks under $1B in assets in the Tulsa, OK area
Bank 53.50%Peer median 62.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.22%0.94%1.44%1.74%Beats 33%12 / 18
Return on Equity9.63%9.63%12.74%15.04%Beats 22%14 / 18
Net Interest Margin4.52%3.75%4.31%4.83%Beats 61%7 / 18
Efficiency Ratio53.50%53.05%62.57%69.59%Beats 72%6 / 18
Asset Quality
Nonperforming Loans / Loans0.30%0.01%0.41%0.86%Beats 56%9 / 18
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%4 / 18
Capital
Tier 1 Capital Ratio10.39%11.17%13.04%15.32%Beats 11%16 / 18
Total Risk-Based Capital Ratio10.39%11.17%13.81%15.32%Beats 11%16 / 18
Equity / Assets12.62%9.28%11.57%13.43%Beats 67%6 / 18
Liquidity & Funding
Loans / Deposits101.50%72.39%85.72%91.52%89th pctl2 / 18
Loans / Assets82.65%60.70%74.00%81.85%83rd pctl3 / 18
Brokered Deposits / Depositsn/aNot reported for this institution