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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 $2.9MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $734.4M18%Noninterest $155.9MQ3 2024Q2 2026

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 1.94%, up 129 bps year over year; NIM at 3.13%.
  • 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.

Return on Assets (quarter, annualized)

1.94%+129 bps YoY

Net Interest Margin (quarter, annualized)

3.13%+12 bps YoY

Efficiency Ratio (quarter, annualized)

50.84%-2,435 bps YoY

Tier 1 Leverage Ratio

10.67%+2 bps YoY

NIM

5.41%Q2 ’245.07%Q2 ’254.95%Q2 ’26+1%+4%

Non-interest income vs. expense

1.94%Q2 ’242.42%Q2 ’252.42%Q2 ’26+26%-64%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.31%0.71%0.65%0.73%1.00%0.65%1.94%+129 bps
Return on Equity11.69%4.33%9.86%8.47%8.99%11.98%7.79%22.32%+1,385 bps
Net Interest Margin3.06%2.93%2.97%3.01%3.14%3.30%3.08%3.13%+12 bps
Efficiency Ratio68.75%87.77%72.61%75.20%72.76%64.14%76.06%50.84%-2,435 bps
Non-Interest Burden2.04%2.55%2.11%2.21%2.23%2.04%2.31%0.79%-142 bps
Growth
Asset Growth (YoY)4.56%2.32%0.18%0.09%0.00%4.52%5.41%2.18%+208 bps
Loan Growth (YoY)14.35%6.83%6.31%3.08%-1.52%6.01%2.49%-1.21%-429 bps
Deposit Growth (YoY)-4.11%-1.53%0.27%-2.84%10.20%11.54%5.04%4.90%+774 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.01%0.01%0.00%0.00%0.00%-1 bps
Net Charge-Offs / Loans0.00%-0.02%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.23%2.24%2.23%2.29%2.27%2.11%2.17%2.32%+3 bps
Allowance Coverage of NPLsn/an/an/a240.9x240.9xn/an/a8191.0x+7950.1x
Capital
Tier 1 Leverage Ratio10.50%10.31%10.36%10.64%10.90%10.87%10.09%10.67%+2 bps
Total Risk-Based Capital14.55%14.74%15.01%15.77%15.78%14.96%15.53%16.54%+77 bps
Equity / Assets7.44%6.96%7.42%7.97%8.16%8.48%8.34%9.07%+110 bps
Liquidity & Funding
Loans / Deposits87.99%87.69%81.12%84.28%78.63%83.34%79.15%79.37%-491 bps
Liquid Assets / Assets3.19%1.97%3.05%3.16%6.73%3.49%8.13%8.04%+487 bps
CRE / Total Capitaln/an/an/an/a509%542%519%n/an/a