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Peoples Bank & Trust Company

Ryan, OK · Cert 2331

State charter, non-member · FDIC · 2 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 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

2

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

Peoples Bank & Trust Company

Ryan, OK · Cert 2331

State charter, non-member · FDIC · 2 branches

Q2 2026

$61.9MAssets
$44.1MLoans
$49.2MDeposits
$9.6MEquity
Loan mix
80%RE $22.8M19%C&I $5.3M1%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $42.2M14%Noninterest $7.0MQ2 2025Q2 2026

NIM

7.70%Q2 ’246.00%Q2 ’255.52%Q2 ’26-34%-5%

Non-interest income vs. expense

4.96%Q2 ’244.47%Q2 ’254.36%Q2 ’26-11%+7%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #65 of 71 inst. · $0.0B of $60.8B

0.1% Oklahoma
9.5% Jefferson

Executive Summary

  • Earnings: ROA of -1.32%, down 63 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 10.85% of loans (+522 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.36%, down 145 bps from a year ago.
  • Funding: loans stand at 89.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.32%-63 bps YoY

Net Interest Margin (YTD, annualized)

3.57%-17 bps YoY

Efficiency Ratio (YTD, annualized)

142.21%+2,224 bps YoY

Tier 1 Leverage Ratio

14.36%-145 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.69%-0.45%-0.91%-0.57%-1.32%-63 bps
Return on Equity-3.83%-2.35%-4.75%-2.96%-7.36%-353 bps
Net Interest Margin3.74%1.16%1.74%3.83%3.57%-17 bps
Efficiency Ratio119.98%102.76%142.44%122.62%142.21%+2,224 bps
Non-Interest Burden4.44%1.16%2.46%4.51%4.73%+29 bps
Growth
Asset Growth (YoY)1.21%7.21%11.25%11.35%40.35%+3,914 bps
Loan Growth (YoY)-1.58%20.59%13.00%22.52%70.97%+7,255 bps
Deposit Growth (YoY)4.19%3.61%14.30%7.83%45.65%+4,146 bps
Asset Quality
Nonperforming Loans / Loans5.63%4.48%9.58%10.82%10.85%+522 bps
Net Charge-Offs / Loans0.39%0.00%0.00%0.05%0.00%-39 bps
Allowance / Loans1.24%1.65%1.63%1.60%3.23%+199 bps
Allowance Coverage of NPLs0.2x0.4x0.2x0.1x0.3x+0.1x
Capital
Tier 1 Leverage Ratio15.81%19.41%18.18%17.16%14.36%-145 bps
Total Risk-Based Capital24.17%25.08%23.29%19.63%15.27%-890 bps
Equity / Assets16.81%21.52%20.25%18.66%15.48%-133 bps
Liquidity & Funding
Loans / Deposits76.33%96.91%90.54%88.49%89.60%+1,327 bps
Liquid Assets / Assets10.43%10.16%3.43%7.19%11.84%+141 bps
CRE / Total Capitaln/a248%261%266%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

Peoples Bank & Trust Company

Ryan, OK · Cert 2331 · Peer group: banks under $1B in assets in OK (n=88-89)

State charter, non-member · FDIC · 2 branches

Q2 2026

$61.9MAssets
$44.1MLoans
$49.2MDeposits
$9.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 89% of banks under $1B in assets in OK (rank 10 of 89).
  • Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets in OK (rank 88 of 88).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-1.13%

Rank 87 of 89

Net Interest Margin

3.57%

Rank 65 of 89

Efficiency Ratio

142.21%

Rank 88 of 89

Equity / Assets

15.48%

Rank 10 of 89

Non-interest income vs. expense

-$0.2M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 2% of banks under $1B in assets in OK
Bank 142.21%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.13%0.85%1.26%1.60%Beats 2%87 / 89
Return on Equity-7.31%7.40%11.89%14.65%Beats 2%87 / 89
Net Interest Margin3.57%3.46%3.93%4.45%Beats 27%65 / 89
Efficiency Ratio142.21%54.70%60.95%71.14%Beats 2%88 / 89
Asset Quality
Nonperforming Loans / Loans10.85%0.30%0.82%2.25%Beats 1%88 / 88
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 59%37 / 88
Capital
Tier 1 Capital Ratio14.00%10.89%13.00%16.33%Beats 64%32 / 89
Total Risk-Based Capital Ratio15.27%11.20%13.06%16.33%Beats 66%30 / 89
Equity / Assets15.48%9.26%10.94%13.52%Beats 89%10 / 89
Liquidity & Funding
Loans / Deposits89.60%61.51%72.27%84.01%85th pctl13 / 88
Loans / Assets71.22%52.51%63.15%71.27%73rd pctl24 / 89
Brokered Deposits / Depositsn/aNot reported for this institution