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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 $1.3MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $39.5M20%Noninterest $9.7MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.09%2.17%2.04%1.94%1.99%-10 bps
Return on Equity8.86%9.11%8.49%7.77%7.99%-87 bps
Net Interest Margin3.86%3.94%4.01%3.74%3.71%-15 bps
Efficiency Ratio33.51%32.78%36.52%36.62%34.44%+93 bps
Non-Interest Burden1.19%1.18%1.36%1.26%1.17%-2 bps
Growth
Asset Growth (YoY)-1.14%0.86%-2.70%-2.09%-0.98%+17 bps
Loan Growth (YoY)9.65%4.94%0.05%1.07%-1.72%-1,137 bps
Deposit Growth (YoY)-3.34%-0.47%-4.86%-3.64%-2.11%+122 bps
Asset Quality
Nonperforming Loans / Loans0.36%1.10%0.58%1.30%0.83%+47 bps
Net Charge-Offs / Loans-0.09%-0.06%-0.04%0.00%0.00%+9 bps
Allowance / Loans1.65%1.68%1.64%1.68%1.67%+2 bps
Allowance Coverage of NPLs4.6x1.5x2.8x1.3x2.0x-2.6x
Capital
Tier 1 Leverage Ratio23.83%24.08%25.17%25.19%25.01%+117 bps
Total Risk-Based Capital70.58%72.25%73.34%73.55%73.19%+261 bps
Equity / Assets23.93%24.42%25.04%24.79%24.81%+88 bps
Liquidity & Funding
Loans / Deposits26.01%25.94%26.79%25.85%26.11%+10 bps
Liquid Assets / Assets17.41%17.53%17.61%18.17%17.21%-19 bps
CRE / Total Capitaln/a9.43%10.90%10.94%n/an/a