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Quail Creek Bank

Oklahoma City, OK · Cert 21848 · Quail Creek Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Oklahoma City, OK area3

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 under $1B in assets in the Oklahoma City, OK area (n=25). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

72

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 2026-10-12

Quail Creek Bank

Oklahoma City, OK · Cert 21848 · Quail Creek Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$831.2MAssets
$619.5MLoans
$756.5MDeposits
$72.2MEquity
Loan mix
94%RE $578.8M5%C&I $32.4M1%Consumer $5.7MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $568.5M25%Noninterest $188.0MQ2 2025Q2 2026

NIM

6.21%Q2 ’246.24%Q2 ’256.05%Q2 ’26-1%-1%

Non-interest income vs. expense

2.35%Q2 ’242.57%Q2 ’252.46%Q2 ’26+12%-4%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 1.2% share · #11 of 71 inst. · $0.8B of $60.8B

Executive Summary

  • Earnings: ROA of 1.40%, down 5 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.65% of loans (+8 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.07%, down 24 bps from a year ago.
  • Funding: loans stand at 81.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%-5 bps YoY

Net Interest Margin (YTD, annualized)

4.10%-6 bps YoY

Efficiency Ratio (YTD, annualized)

56.80%-169 bps YoY

Tier 1 Leverage Ratio

9.07%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.46%1.43%1.40%1.40%-5 bps
Return on Equity15.90%16.08%15.82%15.37%15.65%-25 bps
Net Interest Margin4.16%4.15%4.08%4.04%4.10%-6 bps
Efficiency Ratio58.49%57.54%57.74%55.60%56.80%-169 bps
Non-Interest Burden2.33%2.28%2.25%2.13%2.23%-10 bps
Growth
Asset Growth (YoY)-1.19%2.14%5.23%5.79%5.44%+663 bps
Loan Growth (YoY)-0.51%1.45%2.32%3.38%2.28%+279 bps
Deposit Growth (YoY)-0.96%2.42%5.58%6.07%5.48%+644 bps
Asset Quality
Nonperforming Loans / Loans0.56%1.15%1.21%1.11%0.65%+8 bps
Net Charge-Offs / Loans0.05%0.04%0.18%0.01%0.08%+2 bps
Allowance / Loans1.23%1.25%1.15%1.20%1.16%-7 bps
Allowance Coverage of NPLs2.2x1.1x1.0x1.1x1.8x-0.4x
Capital
Tier 1 Leverage Ratio9.32%9.23%9.42%9.35%9.07%-24 bps
Total Risk-Based Capital14.68%14.38%15.10%15.00%9.07%-561 bps
Equity / Assets8.65%8.87%9.10%9.09%8.68%+3 bps
Liquidity & Funding
Loans / Deposits84.46%85.17%83.09%82.38%81.90%-256 bps
Liquid Assets / Assets5.24%4.98%8.00%7.79%6.99%+175 bps
CRE / Total Capitaln/a426%408%417%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 2026-10-12

Quail Creek Bank

Oklahoma City, OK · Cert 21848 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Quail Creek Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$831.2MAssets
$619.5MLoans
$756.5MDeposits
$72.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 84% of banks under $1B in assets in the Oklahoma City, OK area (rank 4 of 25).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Oklahoma City, OK area (rank 25 of 25).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.39%

Rank 6 of 25

Net Interest Margin

4.10%

Rank 7 of 25

Efficiency Ratio

56.80%

Rank 8 of 25

Equity / Assets

8.68%

Rank 18 of 25

Non-interest income vs. expense

$1.9M$20.2MINCOMEEXPENSE
Unfavorable gap of $18.3M · efficiency ratio beats 72% of banks under $1B in assets in the Oklahoma City, OK area
Bank 56.80%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%0.60%0.90%1.27%Beats 76%6 / 25
Return on Equity16.06%6.92%9.16%13.29%Beats 84%4 / 25
Net Interest Margin4.10%3.56%3.82%4.10%Beats 72%7 / 25
Efficiency Ratio56.80%56.35%63.12%79.22%Beats 72%8 / 25
Asset Quality
Nonperforming Loans / Loans0.65%0.33%0.76%2.35%Beats 56%12 / 25
Net Charge-Offs / Loans0.04%n/a0.00%0.05%Beats 32%18 / 25
Capital
Tier 1 Capital Ratio9.07%10.27%12.02%13.99%Beats 0%25 / 25
Total Risk-Based Capital Ratio9.07%10.27%12.44%15.25%Beats 0%25 / 25
Equity / Assets8.68%8.64%10.07%11.05%Beats 28%18 / 25
Liquidity & Funding
Loans / Deposits81.90%70.71%82.03%97.03%44th pctl14 / 25
Loans / Assets74.54%62.67%74.54%84.24%48th pctl13 / 25
Brokered Deposits / Depositsn/aNot reported for this institution