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Bankers Bank, The

Oklahoma City, OK · Cert 26677 · Bankers Bcorp of Oklahoma Inc.

State charter, Fed member · FED · 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 the Oklahoma City, OK area3

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 the Oklahoma City, OK area (n=25). 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

81

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

20

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

Bankers Bank, The

Oklahoma City, OK · Cert 26677 · Bankers Bcorp of Oklahoma Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$310.5MAssets
$245.7MLoans
$243.4MDeposits
$39.6MEquity
Loan mix
94%RE $179.1M6%C&I $12.1M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $177.5M27%Noninterest $65.9MQ3 2024Q2 2026

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.4% share · #43 of 71 inst. · $0.2B of $60.8B

0.5% Oklahoma
0.0% Collin

Executive Summary

  • Earnings: ROA of 0.98%, down 25 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 1.93% of loans (+193 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.70%, down 100 bps from a year ago.
  • Funding: loans stand at 100.98% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.98%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.59%-13 bps YoY

Efficiency Ratio (YTD, annualized)

80.20%+410 bps YoY

Tier 1 Leverage Ratio

12.70%-100 bps YoY

NIM

6.24%Q2 ’246.22%Q2 ’255.97%Q2 ’26+5%-4%

Non-interest income vs. expense

6.03%Q2 ’245.76%Q2 ’255.40%Q2 ’26+2%+18%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.63%1.16%1.23%1.20%1.15%1.04%0.98%-25 bps
Return on Equity12.99%11.89%8.53%9.06%8.93%8.75%8.41%7.85%-121 bps
Net Interest Margin3.49%3.45%3.72%3.72%3.55%3.47%3.65%3.59%-13 bps
Efficiency Ratio77.46%77.81%77.31%76.10%75.82%76.11%78.92%80.20%+410 bps
Non-Interest Burden1.74%1.79%2.02%1.92%1.82%1.78%2.22%2.26%+34 bps
Growth
Asset Growth (YoY)7.98%15.53%3.93%6.74%14.26%19.53%13.73%13.57%+683 bps
Loan Growth (YoY)2.68%11.37%15.67%19.11%26.53%28.49%18.42%12.77%-634 bps
Deposit Growth (YoY)20.24%22.92%1.72%-4.47%0.45%-6.08%12.05%18.84%+2,331 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.93%+193 bps
Net Charge-Offs / Loans0.02%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.65%1.54%1.49%1.50%1.42%1.43%1.51%1.58%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a0.8xn/an/a
Capital
Tier 1 Leverage Ratio14.20%14.12%13.60%13.70%13.16%12.77%12.44%12.70%-100 bps
Total Risk-Based Capital17.72%16.81%16.28%16.24%15.23%14.03%14.68%15.33%-90 bps
Equity / Assets14.09%13.48%13.64%13.63%13.06%11.98%12.84%12.74%-89 bps
Liquidity & Funding
Loans / Deposits88.10%88.67%96.18%106.41%110.96%121.31%101.65%100.98%-544 bps
Liquid Assets / Assets7.09%6.25%7.22%6.66%5.86%5.08%5.63%5.34%-132 bps
CRE / Total Capitaln/an/an/an/a388%429%427%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

Bankers Bank, The

Oklahoma City, OK · Cert 26677 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Bankers Bcorp of Oklahoma Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$310.5MAssets
$245.7MLoans
$243.4MDeposits
$39.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Oklahoma City, OK area (rank 8 of 25).
  • Widest gap: efficiency ratio trails 80% of banks under $1B in assets in the Oklahoma City, OK area (rank 21 of 25).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.99%

Rank 11 of 25

Net Interest Margin

3.59%

Rank 18 of 25

Efficiency Ratio

80.20%

Rank 21 of 25

Equity / Assets

12.74%

Rank 2 of 25

Non-interest income vs. expense

$9.8M$16.9MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 20% of banks under $1B in assets in the Oklahoma City, OK area
Bank 80.20%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.99%0.60%0.90%1.27%Beats 56%11 / 25
Return on Equity7.80%6.92%9.16%13.29%Beats 40%15 / 25
Net Interest Margin3.59%3.56%3.82%4.10%Beats 28%18 / 25
Efficiency Ratio80.20%56.35%63.12%79.22%Beats 20%21 / 25
Asset Quality
Nonperforming Loans / Loans1.93%0.33%0.76%2.35%Beats 32%18 / 25
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%8 / 25
Capital
Tier 1 Capital Ratio14.08%10.27%12.02%13.99%Beats 76%6 / 25
Total Risk-Based Capital Ratio15.33%10.27%12.44%15.25%Beats 76%6 / 25
Equity / Assets12.74%8.64%10.07%11.05%Beats 92%2 / 25
Liquidity & Funding
Loans / Deposits100.98%70.71%82.03%97.03%84th pctl4 / 25
Loans / Assets79.14%62.67%74.54%84.24%56th pctl11 / 25
Brokered Deposits / Depositsn/aNot reported for this institution