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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