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

Deposit mix

NIM

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

Earnings: ROA of 2.59%, down 37 bps year over year; NIM at 4.90%.
Asset quality: problem loans at 1.56% of loans (+90 bps YoY), with net charge-offs at 0.01%.

Return on Assets (quarter, annualized)

2.59%-37 bps YoY

Net Interest Margin (quarter, annualized)

4.90%-39 bps YoY

Efficiency Ratio (quarter, annualized)

33.23%+152 bps YoY

Tier 1 Leverage Ratio

11.06%+19 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	2.96%	2.81%	2.71%	2.45%	2.59%	-37 bps
Return on Equity	24.54%	23.42%	23.32%	21.41%	21.51%	-303 bps
Net Interest Margin	5.29%	5.18%	4.92%	4.65%	4.90%	-39 bps
Efficiency Ratio	31.72%	31.98%	32.14%	34.04%	33.23%	+152 bps
Non-Interest Burden	1.39%	1.48%	1.41%	1.42%	1.46%	+7 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 / Loans	0.67%	0.59%	0.56%	1.52%	1.56%	+90 bps
Net Charge-Offs / Loans	0.00%	0.07%	0.01%	0.00%	0.01%	+1 bps
Allowance / Loans	0.82%	0.77%	0.74%	0.75%	0.76%	-6 bps
Allowance Coverage of NPLs	1.2x	1.3x	1.3x	0.5x	0.5x	-0.7x
Capital
Tier 1 Leverage Ratio	10.87%	10.85%	10.07%	10.40%	11.06%	+19 bps
Total Risk-Based Capital	10.67%	10.90%	10.54%	10.40%	11.06%	+39 bps
Equity / Assets	11.94%	12.01%	11.26%	11.65%	12.45%	+51 bps
Liquidity & Funding
Loans / Deposits	101.39%	100.80%	98.10%	100.74%	104.01%	+263 bps
Liquid Assets / Assets	8.36%	8.05%	9.88%	7.90%	7.35%	-101 bps
CRE / Total Capital	n/a	525%	543%	534%	n/a	n/a