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All America Bank

Oklahoma City, OK · Cert 20093

State charter, non-member · FDIC · 7 branches

Q2 2026

$611.5MAssets
$439.8MLoans
$546.3MDeposits
$63.7MEquity
Loan mix
94%RE $372.5M4%C&I $14.6M2%Consumer $8.4MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $484.1M11%Noninterest $62.2MQ2 2025Q2 2026

NIM

6.57%Q2 ’246.32%Q2 ’256.22%Q2 ’26+3%+5%

Non-interest income vs. expense

2.41%Q2 ’242.64%Q2 ’252.69%Q2 ’26+13%+0%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.5% share · #35 of 71 inst. · $0.3B of $60.8B

9.9% Canadian
5.6% Comanche
21.3% Kiowa
14.9% Washita

Executive Summary

  • Earnings: ROA of 0.74%, up 28 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 5.50% of loans (+98 bps YoY), with net charge-offs at 0.42%.
  • Capital: tier 1 leverage ratio of 10.47%, up 26 bps from a year ago.
  • Funding: loans stand at 80.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+18 bps YoY

Efficiency Ratio (YTD, annualized)

66.19%-114 bps YoY

Tier 1 Leverage Ratio

10.47%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.58%0.62%0.76%0.74%+28 bps
Return on Equity4.53%5.63%5.99%7.25%7.07%+254 bps
Net Interest Margin3.57%3.66%3.73%3.89%3.75%+18 bps
Efficiency Ratio67.33%66.88%66.48%65.57%66.19%-114 bps
Non-Interest Burden2.37%2.39%2.43%2.44%2.38%+1 bps
Growth
Asset Growth (YoY)-1.07%0.83%-0.29%0.36%1.01%+208 bps
Loan Growth (YoY)-3.84%-4.58%-4.97%-5.80%-6.88%-304 bps
Deposit Growth (YoY)-1.32%0.77%-0.53%0.34%0.95%+227 bps
Asset Quality
Nonperforming Loans / Loans4.52%5.56%5.33%4.99%5.50%+98 bps
Net Charge-Offs / Loans0.81%0.69%0.95%0.47%0.42%-39 bps
Allowance / Loans1.32%1.38%1.03%1.19%1.24%-7 bps
Allowance Coverage of NPLs0.3x0.2x0.2x0.2x0.2x-0.1x
Capital
Tier 1 Leverage Ratio10.21%10.47%10.62%10.50%10.47%+26 bps
Total Risk-Based Capital14.19%14.50%14.53%14.45%15.35%+115 bps
Equity / Assets10.24%10.54%10.71%10.25%10.41%+18 bps
Liquidity & Funding
Loans / Deposits87.27%85.27%88.42%82.51%80.50%-676 bps
Liquid Assets / Assets4.03%5.12%4.89%6.33%6.22%+219 bps
CRE / Total Capitaln/a348%353%334%n/an/a