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McCurtain County National Bank

Broken Bow, OK · Cert 23798 · McCurtain Cnty Bancshares Inc.

National charter · OCC · 5 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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

56

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

McCurtain County National Bank

Broken Bow, OK · Cert 23798 · McCurtain Cnty Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$384.2MAssets
$144.4MLoans
$323.6MDeposits
$60.2MEquity
Loan mix
79%RE $114.1M7%C&I $9.4M15%Consumer $21.0MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $231.4M28%Noninterest $92.2MQ2 2025Q2 2026

NIM

5.51%Q2 ’245.53%Q2 ’255.04%Q2 ’26+1%-7%

Non-interest income vs. expense

1.96%Q2 ’242.07%Q2 ’252.14%Q2 ’26+11%+4%

Executive Summary

  • Earnings: ROA of 1.16%, down 22 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 1.64% of loans (+110 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 15.65%, up 45 bps from a year ago.
  • Funding: loans stand at 44.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.27%-23 bps YoY

Efficiency Ratio (YTD, annualized)

57.99%+522 bps YoY

Tier 1 Leverage Ratio

15.65%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.41%1.34%1.05%1.16%-22 bps
Return on Equity9.47%9.46%8.96%6.84%7.51%-196 bps
Net Interest Margin3.50%3.52%3.49%3.38%3.27%-23 bps
Efficiency Ratio52.77%53.07%55.08%63.90%57.99%+522 bps
Non-Interest Burden1.65%1.67%1.73%2.00%1.72%+7 bps
Growth
Asset Growth (YoY)2.58%5.42%2.44%0.71%5.08%+250 bps
Loan Growth (YoY)-5.31%-6.14%-4.71%-4.57%-6.70%-139 bps
Deposit Growth (YoY)1.15%4.60%1.03%-0.54%4.58%+343 bps
Asset Quality
Nonperforming Loans / Loans0.53%1.25%1.60%1.63%1.64%+110 bps
Net Charge-Offs / Loans0.10%0.08%0.03%0.32%0.20%+11 bps
Allowance / Loans2.42%2.46%2.53%2.54%2.65%+23 bps
Allowance Coverage of NPLs4.6x2.0x1.6x1.6x1.6x-2.9x
Capital
Tier 1 Leverage Ratio15.21%15.75%15.81%15.67%15.65%+45 bps
Total Risk-Based Capital15.21%15.75%15.81%15.67%15.65%+45 bps
Equity / Assets15.28%15.66%15.34%15.44%15.68%+40 bps
Liquidity & Funding
Loans / Deposits50.02%49.23%46.51%45.99%44.63%-539 bps
Liquid Assets / Assets13.04%13.01%12.17%12.26%20.21%+717 bps
CRE / Total Capitaln/a51.50%48.05%44.92%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

McCurtain County National Bank

Broken Bow, OK · Cert 23798 · Peer group: banks under $1B in assets in OK (n=88-89) · McCurtain Cnty Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$384.2MAssets
$144.4MLoans
$323.6MDeposits
$60.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 90% of banks under $1B in assets in OK (rank 9 of 89).
  • Widest gap: net interest margin trails 83% of banks under $1B in assets in OK (rank 74 of 89).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.16%

Rank 51 of 89

Net Interest Margin

3.27%

Rank 74 of 89

Efficiency Ratio

57.99%

Rank 40 of 89

Equity / Assets

15.68%

Rank 9 of 89

Non-interest income vs. expense

$1.7M$8.4MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 56% of banks under $1B in assets in OK
Bank 57.99%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.85%1.26%1.60%Beats 43%51 / 89
Return on Equity7.40%7.40%11.89%14.65%Beats 25%67 / 89
Net Interest Margin3.27%3.46%3.93%4.45%Beats 17%74 / 89
Efficiency Ratio57.99%54.70%60.95%71.14%Beats 56%40 / 89
Asset Quality
Nonperforming Loans / Loans1.64%0.30%0.82%2.25%Beats 33%60 / 88
Net Charge-Offs / Loans0.15%0.00%0.03%0.20%Beats 27%65 / 88
Capital
Tier 1 Capital Ratio15.65%10.89%13.00%16.33%Beats 73%24 / 89
Total Risk-Based Capital Ratio15.65%11.20%13.06%16.33%Beats 71%26 / 89
Equity / Assets15.68%9.26%10.94%13.52%Beats 90%9 / 89
Liquidity & Funding
Loans / Deposits44.63%61.51%72.27%84.01%14th pctl76 / 88
Loans / Assets37.58%52.51%63.15%71.27%16th pctl75 / 89
Brokered Deposits / Depositsn/aNot reported for this institution