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Avb Bank

Broken Arrow, OK · Cert 2326 · Arkansas Valley Bancshares Inc.

State charter, non-member · FDIC · 4 branches

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 Tulsa, 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 Tulsa, OK area (n=18). 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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

17

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

Avb Bank

Broken Arrow, OK · Cert 2326 · Arkansas Valley Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$612.3MAssets
$453.1MLoans
$541.5MDeposits
$49.8MEquity
Loan mix
88%RE $374.1M12%C&I $49.6M1%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $466.0M14%Noninterest $75.6MQ2 2025Q2 2026

NIM

5.34%Q2 ’245.53%Q2 ’255.47%Q2 ’26+17%+1%

Non-interest income vs. expense

3.08%Q2 ’243.07%Q2 ’253.08%Q2 ’26-1%+2%

Market Position · Tulsa, OK · 2026 SOD (annual) · 1.4% share · #17 of 59 inst. · $0.5B of $39.3B

Executive Summary

  • Earnings: ROA of 0.93%, up 1 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.41% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.46%, down 26 bps from a year ago.
  • Funding: loans stand at 83.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+3 bps YoY

Efficiency Ratio (YTD, annualized)

71.96%+30 bps YoY

Tier 1 Leverage Ratio

9.46%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.98%1.13%0.84%0.93%+1 bps
Return on Equity10.96%11.41%13.02%9.55%10.90%-6 bps
Net Interest Margin3.93%3.93%3.96%3.87%3.96%+3 bps
Efficiency Ratio71.67%70.62%71.49%74.51%71.96%+30 bps
Non-Interest Burden2.72%2.67%2.73%2.81%2.76%+4 bps
Growth
Asset Growth (YoY)2.61%0.52%7.50%11.00%15.27%+1,266 bps
Loan Growth (YoY)7.22%0.94%4.44%5.95%4.25%-297 bps
Deposit Growth (YoY)1.40%-0.36%8.00%11.49%16.96%+1,555 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.45%0.44%0.48%0.41%-3 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans1.63%1.66%1.66%1.62%1.56%-7 bps
Allowance Coverage of NPLs3.6x3.7x3.8x3.4x3.8x+0.1x
Capital
Tier 1 Leverage Ratio9.72%9.77%10.10%9.29%9.46%-26 bps
Total Risk-Based Capital12.94%13.30%13.89%13.10%13.05%+11 bps
Equity / Assets8.44%9.03%9.12%8.45%8.13%-31 bps
Liquidity & Funding
Loans / Deposits93.87%92.47%89.21%86.49%83.67%-1,020 bps
Liquid Assets / Assets1.01%2.65%6.40%7.74%11.12%+1,011 bps
CRE / Total Capitaln/a437%422%441%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

Avb Bank

Broken Arrow, OK · Cert 2326 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18) · Arkansas Valley Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$612.3MAssets
$453.1MLoans
$541.5MDeposits
$49.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 78% of banks under $1B in assets in the Tulsa, OK area (rank 5 of 18).
  • Widest gap: equity / assets trails 94% of banks under $1B in assets in the Tulsa, OK area (rank 17 of 18).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.88%

Rank 15 of 18

Net Interest Margin

3.96%

Rank 12 of 18

Efficiency Ratio

71.96%

Rank 16 of 18

Equity / Assets

8.13%

Rank 17 of 18

Non-interest income vs. expense

$1.9M$18.0MINCOMEEXPENSE
Unfavorable gap of $16.1M · efficiency ratio beats 17% of banks under $1B in assets in the Tulsa, OK area
Bank 71.96%Peer median 62.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.94%1.44%1.74%Beats 17%15 / 18
Return on Equity10.83%9.63%12.74%15.04%Beats 28%13 / 18
Net Interest Margin3.96%3.75%4.31%4.83%Beats 33%12 / 18
Efficiency Ratio71.96%53.05%62.57%69.59%Beats 17%16 / 18
Asset Quality
Nonperforming Loans / Loans0.41%0.01%0.41%0.86%Beats 50%10 / 18
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 78%5 / 18
Capital
Tier 1 Capital Ratio11.80%11.17%13.04%15.32%Beats 28%13 / 18
Total Risk-Based Capital Ratio13.05%11.17%13.81%15.32%Beats 39%11 / 18
Equity / Assets8.13%9.28%11.57%13.43%Beats 6%17 / 18
Liquidity & Funding
Loans / Deposits83.67%72.39%85.72%91.52%44th pctl10 / 18
Loans / Assets74.00%60.70%74.00%81.85%50th pctl9 / 18
Brokered Deposits / Depositsn/aNot reported for this institution