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Firstar Bank

Sallisaw, OK · Cert 19288 · Firstar Financial Corp.

State charter, non-member · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

52

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

Firstar Bank

Sallisaw, OK · Cert 19288 · Firstar Financial Corp.

State charter, non-member · FDIC · 11 branches

Q2 2026

$1.2BAssets
$847.4MLoans
$1.1BDeposits
$135.7MEquity
Loan mix
77%RE $663.6M21%C&I $183.0M2%Consumer $17.7MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $833.6M24%Noninterest $257.9MQ2 2025Q2 2026

NIM

5.97%Q2 ’246.38%Q2 ’255.98%Q2 ’26+25%-7%

Non-interest income vs. expense

3.12%Q2 ’243.31%Q2 ’252.99%Q2 ’26+13%-12%

Market Position · Fort Smith, AR-OK · 2026 SOD (annual) · 5.2% share · #7 of 20 inst. · $0.3B of $6.0B

26.6% Muskogee
29.1% Sequoyah
0.6% Tulsa
53.8% Haskell

Executive Summary

  • Earnings: ROA of 1.58%, up 5 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.68% of loans (+17 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.03%, down 18 bps from a year ago.
  • Funding: loans stand at 77.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.58%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.48%-31 bps YoY

Efficiency Ratio (YTD, annualized)

57.72%-278 bps YoY

Tier 1 Leverage Ratio

9.03%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.67%2.29%1.63%1.58%+5 bps
Return on Equity13.40%14.45%19.87%14.74%14.35%+94 bps
Net Interest Margin4.80%4.92%4.91%4.64%4.48%-31 bps
Efficiency Ratio60.50%59.29%44.65%55.34%57.72%-278 bps
Non-Interest Burden2.60%2.62%1.81%2.24%2.28%-32 bps
Growth
Asset Growth (YoY)-4.95%2.99%10.80%10.80%11.77%+1,673 bps
Loan Growth (YoY)0.64%3.94%7.24%4.47%-0.55%-118 bps
Deposit Growth (YoY)-6.37%2.92%10.67%11.18%12.09%+1,845 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.49%0.48%0.58%0.68%+17 bps
Net Charge-Offs / Loans0.00%0.05%0.06%0.05%0.04%+4 bps
Allowance / Loans0.92%0.91%0.89%0.95%0.99%+7 bps
Allowance Coverage of NPLs1.8x1.9x1.8x1.6x1.5x-0.4x
Capital
Tier 1 Leverage Ratio9.22%9.50%9.23%9.21%9.03%-18 bps
Total Risk-Based Capital12.61%12.72%12.35%13.12%13.70%+109 bps
Equity / Assets11.37%11.78%11.51%10.70%10.95%-42 bps
Liquidity & Funding
Loans / Deposits87.50%90.31%92.80%79.29%77.64%-986 bps
Liquid Assets / Assets7.35%5.09%4.53%15.99%17.53%+1,018 bps
CRE / Total Capitaln/a428%447%426%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

Firstar Bank

Sallisaw, OK · Cert 19288 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Firstar Financial Corp.

State charter, non-member · FDIC · 11 branches

Q2 2026

$1.2BAssets
$847.4MLoans
$1.1BDeposits
$135.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 93% of banks $1B-$10B in assets operating regionally (rank 13 of 176).
  • Widest gap: tier 1 capital ratio trails 52% of banks $1B-$10B in assets operating regionally (rank 92 of 176).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.53%

Rank 45 of 176

Net Interest Margin

4.48%

Rank 13 of 176

Efficiency Ratio

58.90%

Rank 85 of 176

Equity / Assets

10.95%

Rank 71 of 176

Non-interest income vs. expense

$8.8M$37.1MINCOMEEXPENSE
Unfavorable gap of $28.4M · efficiency ratio beats 52% of banks $1B-$10B in assets operating regionally
Bank 58.90%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.93%1.26%1.54%Beats 74%45 / 176
Return on Equity14.01%9.26%11.89%14.46%Beats 69%55 / 176
Net Interest Margin4.48%3.25%3.59%3.93%Beats 93%13 / 176
Efficiency Ratio58.90%52.79%59.55%67.66%Beats 52%85 / 176
Asset Quality
Nonperforming Loans / Loans0.68%0.30%0.64%1.32%Beats 48%93 / 176
Net Charge-Offs / Loans0.03%0.01%0.04%0.10%Beats 51%87 / 176
Capital
Tier 1 Capital Ratio12.64%11.15%12.72%14.15%Beats 48%92 / 176
Total Risk-Based Capital Ratio13.70%11.81%13.63%15.33%Beats 52%85 / 176
Equity / Assets10.95%9.16%10.35%11.80%Beats 60%71 / 176
Liquidity & Funding
Loans / Deposits77.64%80.94%89.73%97.21%15th pctl149 / 176
Loans / Assets68.37%69.25%75.12%80.82%21st pctl139 / 176
Brokered Deposits / Depositsn/aNot reported for this institution