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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

$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