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Community National Bank of Okarche

Okarche, OK · Cert 25161

FDIC · 2 branches

Q4 2025

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: Q4 2025, the quarter ended December 31, 2025, 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=91 to 92). 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

80

Q2 2024Q4 2025peer median (50)

Asset Quality

100

Q2 2024Q4 2025peer median (50)

Profitability

12

Q2 2024Q4 2025peer median (50)

Liquidity

9

Q2 2024Q4 2025peer median

Efficiency

15

Q2 2024Q4 2025peer 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

Community National Bank of Okarche

Okarche, OK · Cert 25161

FDIC · 2 branches

Q4 2025

$121.0MAssets
$43.2MLoans
$99.9MDeposits
$20.8MEquity
Loan mix
75%RE $21.3M17%C&I $4.7M9%Consumer $2.4MQ4 2024Q4 2025
Deposit mix
80%Interest-bearing $79.9M20%Noninterest $20.0MQ4 2024Q4 2025

NIM

3.71%Q4 ’234.21%Q4 ’244.20%Q4 ’25-4%+1%

Non-interest income vs. expense

1.53%Q4 ’231.65%Q4 ’242.30%Q4 ’25+8%+41%

Executive Summary

  • Earnings: ROA of 0.41%, down 40 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.00% of loans (-178 bps YoY), with net charge-offs at 0.66%.
  • Capital: tier 1 leverage ratio of 17.27%, up 86 bps from a year ago.
  • Funding: loans stand at 43.27% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.41%-40 bps YoY

Net Interest Margin (YTD, annualized)

2.47%+3 bps YoY

Efficiency Ratio (YTD, annualized)

81.95%+2,096 bps YoY

Tier 1 Leverage Ratio

17.27%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.81%0.68%0.77%0.81%0.41%-40 bps
Return on Equity6.13%4.51%5.03%5.20%2.57%-355 bps
Net Interest Margin2.44%2.34%2.39%2.41%2.47%+3 bps
Efficiency Ratio61.00%67.19%63.65%62.23%81.95%+2,096 bps
Non-Interest Burden1.39%1.50%1.43%1.39%1.96%+57 bps
Growth
Asset Growth (YoY)-8.36%-9.69%-4.77%-3.37%-5.77%+259 bps
Loan Growth (YoY)-14.17%-14.26%-8.15%-8.11%0.73%+1,490 bps
Deposit Growth (YoY)-8.72%-13.60%-6.20%-5.44%-3.98%+474 bps
Asset Quality
Nonperforming Loans / Loans1.78%0.00%0.00%0.00%0.00%-178 bps
Net Charge-Offs / Loans-0.04%2.86%1.41%0.99%0.66%+71 bps
Allowance / Loans1.99%1.34%1.39%1.47%1.31%-68 bps
Allowance Coverage of NPLs1.1xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.42%16.72%16.86%17.19%17.27%+86 bps
Total Risk-Based Capital16.42%16.72%16.86%17.19%17.27%+86 bps
Equity / Assets14.56%15.51%15.69%16.63%17.19%+262 bps
Liquidity & Funding
Loans / Deposits41.25%39.35%37.95%36.54%43.27%+202 bps
Liquid Assets / Assets4.75%4.64%4.58%3.65%1.02%-373 bps
CRE / Total Capitaln/an/an/a36.01%32.86%n/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

Community National Bank of Okarche

Okarche, OK · Cert 25161 · Peer group: banks under $1B in assets in OK (n=91-92)

FDIC · 2 branches

Q4 2025

$121.0MAssets
$43.2MLoans
$99.9MDeposits
$20.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 10 of 91).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets in OK (rank 87 of 92).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.43%

Rank 76 of 92

Net Interest Margin

2.47%

Rank 87 of 92

Efficiency Ratio

81.95%

Rank 79 of 92

Equity / Assets

17.19%

Rank 7 of 92

Non-interest income vs. expense

$0.4M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 15% of banks under $1B in assets in OK
Bank 81.95%Peer median 65.1%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.43%0.66%1.11%1.42%Beats 17%76 / 92
Return on Equity2.48%5.96%9.90%12.91%Beats 14%79 / 92
Net Interest Margin2.47%3.41%3.93%4.52%Beats 5%87 / 92
Efficiency Ratio81.95%56.47%65.14%75.50%Beats 15%79 / 92
Asset Quality
Nonperforming Loans / Loans0.00%0.21%0.69%1.82%Beats 100%10 / 91
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.27%11.22%13.00%17.27%Beats 75%23 / 92
Total Risk-Based Capital Ratio17.27%11.39%13.54%18.10%Beats 73%25 / 92
Equity / Assets17.19%9.19%10.98%13.56%Beats 92%7 / 92
Liquidity & Funding
Loans / Deposits43.27%61.13%72.79%86.03%12th pctl80 / 91
Loans / Assets35.73%52.08%63.10%74.49%10th pctl82 / 91
Brokered Deposits / Deposits0.00%n/an/a4.00%Beats 100%57 / 91