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First National Bank in Marlow, The

Marlow, OK · Cert 26260 · Leader First Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

$71.8MAssets
$44.6MLoans
$65.3MDeposits
$5.1MEquity
Loan mix
90%RE $44.1M2%C&I $1.1M7%Consumer $3.6MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $46.2M29%Noninterest $19.1MQ3 2024Q2 2026

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

4.4% Stephens
0.3% Grady

Executive Summary

  • Earnings: ROA of 0.97%, up 44 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.15%, up 31 bps from a year ago.
  • Funding: loans stand at 68.27% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.97%+44 bps YoY

Net Interest Margin (YTD, annualized)

4.25%+38 bps YoY

Efficiency Ratio (YTD, annualized)

74.42%-530 bps YoY

Tier 1 Leverage Ratio

8.15%+31 bps YoY

NIM

5.35%Q2 ’245.68%Q2 ’255.41%Q2 ’26+13%+10%

Non-interest income vs. expense

3.49%Q2 ’243.87%Q2 ’253.55%Q2 ’26+1%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.40%0.70%0.54%-0.57%-0.06%0.99%0.97%+44 bps
Return on Equity7.02%6.63%11.26%8.49%-9.10%-0.94%14.56%14.10%+561 bps
Net Interest Margin3.49%3.35%3.62%3.87%4.04%4.16%4.30%4.25%+38 bps
Efficiency Ratio84.66%84.44%73.58%79.72%80.77%78.33%73.98%74.42%-530 bps
Non-Interest Burden2.85%2.73%2.29%2.89%3.10%3.08%3.05%3.03%+14 bps
Growth
Asset Growth (YoY)1.36%-4.17%0.99%-0.08%-4.64%-4.12%-1.05%0.15%+23 bps
Loan Growth (YoY)10.08%5.61%9.84%10.51%6.77%5.06%1.34%-11.47%-2,198 bps
Deposit Growth (YoY)-15.04%3.40%11.61%12.88%11.18%9.49%3.20%1.54%-1,134 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%1.16%1.12%1.13%0.00%0 bps
Net Charge-Offs / Loans0.02%0.09%0.02%0.02%0.02%0.02%-0.02%0.02%0 bps
Allowance / Loans0.54%0.52%0.68%0.73%2.08%2.05%2.10%2.37%+164 bps
Allowance Coverage of NPLsn/an/an/an/a1.8x1.8x1.9xn/an/a
Capital
Tier 1 Leverage Ratio8.17%8.09%7.61%7.84%7.22%7.65%7.97%8.15%+31 bps
Total Risk-Based Capital12.62%12.56%11.98%12.15%11.59%12.16%12.61%14.40%+225 bps
Equity / Assets6.61%6.30%6.11%6.50%6.23%6.71%6.82%7.15%+64 bps
Liquidity & Funding
Loans / Deposits83.66%84.09%78.55%78.31%80.34%80.68%77.14%68.27%-1,004 bps
Liquid Assets / Assets4.13%3.36%3.23%2.03%2.46%2.67%2.77%13.55%+1,152 bps
CRE / Total Capitaln/an/an/an/a474%447%429%n/an/a