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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 $0.5MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $132.8M17%Noninterest $27.0MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.19%1.25%1.31%1.29%+9 bps
Return on Equity7.78%7.79%8.42%9.79%9.86%+209 bps
Net Interest Margin4.51%4.45%4.39%4.56%4.52%+1 bps
Efficiency Ratio57.31%56.59%54.98%53.00%53.04%-427 bps
Non-Interest Burden2.39%2.36%2.27%2.32%2.31%-8 bps
Growth
Asset Growth (YoY)10.75%13.61%22.15%16.01%21.06%+1,031 bps
Loan Growth (YoY)17.59%27.08%37.86%32.16%30.91%+1,333 bps
Deposit Growth (YoY)13.18%21.87%24.82%19.42%21.69%+852 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.35%0.33%0.32%0.30%-1 bps
Net Charge-Offs / Loans0.01%0.00%0.00%-0.01%-0.01%-1 bps
Allowance / Loans0.99%1.00%1.01%1.06%1.06%+7 bps
Allowance Coverage of NPLs3.2x2.8x3.1x3.3x3.6x+0.3x
Capital
Tier 1 Leverage Ratio12.02%11.92%10.57%10.31%10.39%-163 bps
Total Risk-Based Capital12.02%11.92%10.57%10.31%10.39%-163 bps
Equity / Assets14.96%14.72%13.40%13.29%12.62%-235 bps
Liquidity & Funding
Loans / Deposits94.35%92.53%101.67%100.25%101.50%+715 bps
Liquid Assets / Assets12.97%8.59%6.05%6.36%6.70%-627 bps
CRE / Total Capitaln/a477%598%577%n/an/a