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Kirkpatrick Bank

Edmond, OK · Cert 20156 · Kirkpatrick Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 (n=322 to 328). 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

95

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

45

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

Kirkpatrick Bank

Edmond, OK · Cert 20156 · Kirkpatrick Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$1.0BAssets
$706.6MLoans
$890.2MDeposits
$90.9MEquity
Loan mix
89%RE $667.4M10%C&I $77.8M0%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $734.4M18%Noninterest $155.9MQ2 2025Q2 2026

NIM

5.36%Q2 ’245.09%Q2 ’255.02%Q2 ’26+3%+5%

Non-interest income vs. expense

2.05%Q2 ’242.37%Q2 ’252.49%Q2 ’26+17%-27%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 1.2% share · #14 of 71 inst. · $0.7B of $60.8B

1.5% Oklahoma
1.4% El Paso
0.2% Arapahoe

Executive Summary

  • Earnings: ROA of 1.30%, up 62 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.67%, up 2 bps from a year ago.
  • Funding: loans stand at 79.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+62 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+15 bps YoY

Efficiency Ratio (YTD, annualized)

61.26%-1,265 bps YoY

Tier 1 Leverage Ratio

10.67%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.69%0.77%0.65%1.30%+62 bps
Return on Equity9.15%9.09%9.90%7.79%15.08%+592 bps
Net Interest Margin3.02%3.09%3.09%3.08%3.16%+15 bps
Efficiency Ratio73.91%73.52%71.02%76.06%61.26%-1,265 bps
Non-Interest Burden2.18%2.22%2.14%2.31%1.59%-59 bps
Growth
Asset Growth (YoY)0.09%0.00%4.52%5.41%2.18%+208 bps
Loan Growth (YoY)3.08%-1.52%6.01%2.49%-1.21%-429 bps
Deposit Growth (YoY)-2.84%10.20%11.54%5.04%4.90%+774 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.00%0.00%0.00%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.29%2.27%2.11%2.17%2.32%+3 bps
Allowance Coverage of NPLs240.9x240.9xn/an/a8191.0x+7950.1x
Capital
Tier 1 Leverage Ratio10.64%10.90%10.87%10.09%10.67%+2 bps
Total Risk-Based Capital15.77%15.78%14.96%15.53%16.54%+77 bps
Equity / Assets7.97%8.16%8.48%8.34%9.07%+110 bps
Liquidity & Funding
Loans / Deposits84.28%78.63%83.34%79.15%79.37%-491 bps
Liquid Assets / Assets3.16%6.73%3.49%8.13%8.04%+487 bps
CRE / Total Capitaln/a509%542%519%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

Kirkpatrick Bank

Edmond, OK · Cert 20156 · Peer group: banks $1B-$10B in assets (n=322-328) · Kirkpatrick Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$1.0BAssets
$706.6MLoans
$890.2MDeposits
$90.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 98% of banks $1B-$10B in assets (rank 9 of 322).
  • Widest gap: equity / assets trails 76% of banks $1B-$10B in assets (rank 250 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.34%

Rank 124 of 328

Net Interest Margin

3.16%

Rank 224 of 328

Efficiency Ratio

61.26%

Rank 183 of 328

Equity / Assets

9.07%

Rank 250 of 328

Non-interest income vs. expense

$9.8M$27.1MINCOMEEXPENSE
Unfavorable gap of $17.3M · efficiency ratio beats 45% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.34%0.91%1.22%1.52%Beats 62%124 / 328
Return on Equity14.77%8.43%11.45%14.43%Beats 79%68 / 328
Net Interest Margin3.16%3.03%3.45%3.83%Beats 32%224 / 328
Efficiency Ratio61.26%51.61%59.56%67.53%Beats 45%183 / 328
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.51%1.03%Beats 98%9 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 92%27 / 322
Capital
Tier 1 Capital Ratio15.28%11.75%13.15%15.47%Beats 73%89 / 328
Total Risk-Based Capital Ratio16.54%12.63%14.15%16.46%Beats 76%79 / 328
Equity / Assets9.07%9.15%10.33%12.01%Beats 24%250 / 328
Liquidity & Funding
Loans / Deposits79.37%76.63%87.92%95.36%29th pctl228 / 323
Loans / Assets70.47%65.18%74.15%79.98%39th pctl200 / 328
Brokered Deposits / Depositsn/aNot reported for this institution