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Interbank

Oklahoma City, OK · Cert 27210 · Olney Bancshares of Texas Inc.

State charter, Fed member · FED · 45 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

97

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

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

Interbank

Oklahoma City, OK · Cert 27210 · Olney Bancshares of Texas Inc.

State charter, Fed member · FED · 45 branches

Q2 2026

$5.3BAssets
$4.7BLoans
$4.6BDeposits
$663.3MEquity
Loan mix
72%RE $3.3B27%C&I $1.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $3.6B21%Noninterest $0.9BQ2 2025Q2 2026

NIM

7.99%Q2 ’247.11%Q2 ’256.68%Q2 ’26-10%-7%

Non-interest income vs. expense

1.86%Q2 ’241.75%Q2 ’251.69%Q2 ’26-11%+3%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #30 of 166 inst. · $1.7B of $732.8B

1.1% Tarrant
0.2% Dallas
1.0% Oklahoma
6.9% Ellis

Executive Summary

  • Earnings: ROA of 2.53%, down 39 bps year over year; NIM at 4.82%.
  • Asset quality: problem loans at 1.56% of loans (+90 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.06%, up 19 bps from a year ago.
  • Funding: loans stand at 104.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.53%-39 bps YoY

Net Interest Margin (YTD, annualized)

4.82%-36 bps YoY

Efficiency Ratio (YTD, annualized)

33.63%+178 bps YoY

Tier 1 Leverage Ratio

11.06%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.91%2.88%2.84%2.45%2.53%-39 bps
Return on Equity24.14%23.88%23.92%21.41%21.45%-269 bps
Net Interest Margin5.17%5.00%4.78%4.65%4.82%-36 bps
Efficiency Ratio31.85%31.90%31.96%34.04%33.63%+178 bps
Non-Interest Burden1.42%1.39%1.34%1.42%1.46%+4 bps
Growth
Asset Growth (YoY)10.47%14.39%20.43%17.15%6.44%-403 bps
Loan Growth (YoY)12.83%19.70%20.98%16.81%7.94%-489 bps
Deposit Growth (YoY)10.76%16.55%21.66%18.01%5.21%-555 bps
Asset Quality
Nonperforming Loans / Loans0.67%0.59%0.56%1.52%1.56%+90 bps
Net Charge-Offs / Loans0.02%0.03%0.03%0.00%0.01%-1 bps
Allowance / Loans0.82%0.77%0.74%0.75%0.76%-6 bps
Allowance Coverage of NPLs1.2x1.3x1.3x0.5x0.5x-0.7x
Capital
Tier 1 Leverage Ratio10.87%10.85%10.07%10.40%11.06%+19 bps
Total Risk-Based Capital10.67%10.90%10.54%10.40%11.06%+39 bps
Equity / Assets11.94%12.01%11.26%11.65%12.45%+51 bps
Liquidity & Funding
Loans / Deposits101.39%100.80%98.10%100.74%104.01%+263 bps
Liquid Assets / Assets8.36%8.05%9.88%7.90%7.35%-101 bps
CRE / Total Capitaln/a525%543%534%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

Interbank

Oklahoma City, OK · Cert 27210 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Olney Bancshares of Texas Inc.

State charter, Fed member · FED · 45 branches

Q2 2026

$5.3BAssets
$4.7BLoans
$4.6BDeposits
$663.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of banks $1B-$10B in assets operating regionally (rank 2 of 176).
  • Widest gap: total risk-based capital ratio trails 86% of banks $1B-$10B in assets operating regionally (rank 151 of 176).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.57%

Rank 4 of 176

Net Interest Margin

4.82%

Rank 7 of 176

Efficiency Ratio

34.03%

Rank 2 of 176

Equity / Assets

12.45%

Rank 31 of 176

Non-interest income vs. expense

$12.7M$90.0MINCOMEEXPENSE
Unfavorable gap of $77.3M · efficiency ratio beats 99% of banks $1B-$10B in assets operating regionally
Bank 34.03%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.57%0.93%1.26%1.54%Beats 98%4 / 176
Return on Equity20.65%9.26%11.89%14.46%Beats 96%7 / 176
Net Interest Margin4.82%3.25%3.59%3.93%Beats 96%7 / 176
Efficiency Ratio34.03%52.79%59.55%67.66%Beats 99%2 / 176
Asset Quality
Nonperforming Loans / Loans1.56%0.30%0.64%1.32%Beats 14%152 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 84%30 / 176
Capital
Tier 1 Capital Ratio11.06%11.15%12.72%14.15%Beats 23%136 / 176
Total Risk-Based Capital Ratio11.06%11.81%13.63%15.33%Beats 14%151 / 176
Equity / Assets12.45%9.16%10.35%11.80%Beats 82%31 / 176
Liquidity & Funding
Loans / Deposits104.01%80.94%89.73%97.21%94th pctl11 / 176
Loans / Assets89.03%69.25%75.12%80.82%99th pctl2 / 176
Brokered Deposits / Depositsn/aNot reported for this institution