PackageTrendsPeer
Letter portraitLegal landscape

Latimer State Bank

Wilburton, OK · Cert 22839 · First Latimer Corp.

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 OK3

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 OK (n=88 to 89). 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

98

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

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

Latimer State Bank

Wilburton, OK · Cert 22839 · First Latimer Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$65.5MAssets
$12.8MLoans
$49.2MDeposits
$16.3MEquity
Loan mix
45%RE $5.5M44%C&I $5.4M11%Consumer $1.3MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $39.5M20%Noninterest $9.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.99%, down 10 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.83% of loans (+47 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 25.01%, up 117 bps from a year ago.
  • Funding: loans stand at 26.11% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.99%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-15 bps YoY

Efficiency Ratio (YTD, annualized)

34.44%+93 bps YoY

Tier 1 Leverage Ratio

25.01%+117 bps YoY

NIM

3.87%Q2 ’244.50%Q2 ’254.38%Q2 ’26+14%-4%

Non-interest income vs. expense

1.28%Q2 ’241.35%Q2 ’251.34%Q2 ’26+7%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%1.81%2.02%2.09%2.17%2.04%1.94%1.99%-10 bps
Return on Equity8.32%8.06%8.59%8.86%9.11%8.49%7.77%7.99%-87 bps
Net Interest Margin3.50%3.61%3.74%3.86%3.94%4.01%3.74%3.71%-15 bps
Efficiency Ratio35.57%38.11%34.40%33.51%32.78%36.52%36.62%34.44%+93 bps
Non-Interest Burden1.14%1.27%1.18%1.19%1.18%1.36%1.26%1.17%-2 bps
Growth
Asset Growth (YoY)-3.95%0.41%-0.81%-1.14%0.86%-2.70%-2.09%-0.98%+17 bps
Loan Growth (YoY)4.07%10.13%7.24%9.65%4.94%0.05%1.07%-1.72%-1,137 bps
Deposit Growth (YoY)-7.62%-1.70%-3.14%-3.34%-0.47%-4.86%-3.64%-2.11%+122 bps
Asset Quality
Nonperforming Loans / Loans0.87%1.00%1.25%0.36%1.10%0.58%1.30%0.83%+47 bps
Net Charge-Offs / Loans0.00%0.02%-0.19%-0.09%-0.06%-0.04%0.00%0.00%+9 bps
Allowance / Loans1.73%1.60%1.70%1.65%1.68%1.64%1.68%1.67%+2 bps
Allowance Coverage of NPLs2.0x1.6x1.4x4.6x1.5x2.8x1.3x2.0x-2.6x
Capital
Tier 1 Leverage Ratio23.25%24.13%23.71%23.83%24.08%25.17%25.19%25.01%+117 bps
Total Risk-Based Capital70.11%69.10%70.25%70.58%72.25%73.34%73.55%73.19%+261 bps
Equity / Assets23.45%23.35%23.54%23.93%24.42%25.04%24.79%24.81%+88 bps
Liquidity & Funding
Loans / Deposits24.60%25.48%24.64%26.01%25.94%26.79%25.85%26.11%+10 bps
Liquid Assets / Assets19.50%17.13%16.72%17.41%17.53%17.61%18.17%17.21%-19 bps
CRE / Total Capitaln/an/an/an/a9.43%10.90%10.94%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

Latimer State Bank

Wilburton, OK · Cert 22839 · Peer group: banks under $1B in assets in OK (n=88-89) · First Latimer Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$65.5MAssets
$12.8MLoans
$49.2MDeposits
$16.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
  • Widest gap: return on equity trails 71% of banks under $1B in assets in OK (rank 63 of 89).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.99%

Rank 8 of 89

Net Interest Margin

3.71%

Rank 55 of 89

Efficiency Ratio

34.44%

Rank 2 of 89

Equity / Assets

24.81%

Rank 2 of 89

Non-interest income vs. expense

$108K$874KINCOMEEXPENSE
Unfavorable gap of $766K · efficiency ratio beats 99% of banks under $1B in assets in OK
Bank 34.44%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.99%0.85%1.26%1.60%Beats 91%8 / 89
Return on Equity8.03%7.40%11.89%14.65%Beats 29%63 / 89
Net Interest Margin3.71%3.46%3.93%4.45%Beats 38%55 / 89
Efficiency Ratio34.44%54.70%60.95%71.14%Beats 99%2 / 89
Asset Quality
Nonperforming Loans / Loans0.83%0.30%0.82%2.25%Beats 49%46 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio72.24%10.89%13.00%16.33%Beats 98%2 / 89
Total Risk-Based Capital Ratio73.19%11.20%13.06%16.33%Beats 98%2 / 89
Equity / Assets24.81%9.26%10.94%13.52%Beats 98%2 / 89
Liquidity & Funding
Loans / Deposits26.11%61.51%72.27%84.01%2nd pctl86 / 88
Loans / Assets19.59%52.51%63.15%71.27%3rd pctl86 / 89
Brokered Deposits / Depositsn/aNot reported for this institution