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First Bank & Trust Company

Duncan, OK · Cert 27394

State charter, non-member · FDIC · 14 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 OK3

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 OK (n=87 to 88). 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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

73

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

First Bank & Trust Company

Duncan, OK · Cert 27394

State charter, non-member · FDIC · 14 branches

Q2 2026

$952.1MAssets
$710.2MLoans
$802.1MDeposits
$145.3MEquity
Loan mix
93%RE $691.0M4%C&I $32.0M3%Consumer $20.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $588.4M27%Noninterest $213.7MQ2 2025Q2 2026

NIM

5.40%Q2 ’245.79%Q2 ’255.79%Q2 ’26+22%+3%

Non-interest income vs. expense

2.84%Q2 ’242.80%Q2 ’252.93%Q2 ’26+2%+4%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.2% share · #50 of 71 inst. · $0.1B of $60.8B

25.1% Stephens
13.3% Carter
9.2% Lincoln
1.0% Cleveland

Executive Summary

  • Earnings: ROA of 1.83%, up 10 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 5.22% of loans (+1 bps YoY), with net charge-offs at 0.71%.
  • Capital: tier 1 leverage ratio of 14.89%, up 133 bps from a year ago.
  • Funding: loans stand at 88.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.83%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+13 bps YoY

Efficiency Ratio (YTD, annualized)

54.36%-10 bps YoY

Tier 1 Leverage Ratio

14.89%+133 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.73%1.81%1.91%1.77%1.83%+10 bps
Return on Equity12.76%13.17%13.64%11.77%12.09%-67 bps
Net Interest Margin4.32%4.35%4.43%4.42%4.45%+13 bps
Efficiency Ratio54.46%52.07%50.50%53.50%54.36%-10 bps
Non-Interest Burden2.01%1.90%1.85%2.02%2.09%+8 bps
Growth
Asset Growth (YoY)9.31%8.52%-1.51%-3.07%-0.66%-997 bps
Loan Growth (YoY)4.44%4.71%2.03%0.94%-6.49%-1,092 bps
Deposit Growth (YoY)9.04%7.90%-3.61%-5.40%-2.18%-1,122 bps
Asset Quality
Nonperforming Loans / Loans5.22%5.40%5.82%5.89%5.22%+1 bps
Net Charge-Offs / Loans0.00%0.05%0.03%0.00%0.71%+70 bps
Allowance / Loans1.43%1.48%1.55%1.59%1.30%-12 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.2x0.0x
Capital
Tier 1 Leverage Ratio13.56%13.92%14.48%14.67%14.89%+133 bps
Total Risk-Based Capital18.05%18.57%19.85%20.60%21.27%+322 bps
Equity / Assets13.97%14.46%15.07%15.02%15.26%+129 bps
Liquidity & Funding
Loans / Deposits92.62%93.27%93.36%93.55%88.54%-408 bps
Liquid Assets / Assets1.09%1.10%1.12%1.13%1.14%+5 bps
CRE / Total Capitaln/a337%321%324%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

First Bank & Trust Company

Duncan, OK · Cert 27394 · Peer group: banks under $1B in assets in OK (n=87-88)

State charter, non-member · FDIC · 14 branches

Q2 2026

$952.1MAssets
$710.2MLoans
$802.1MDeposits
$145.3MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 88% of banks under $1B in assets in OK (rank 11 of 88).
  • Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets in OK (rank 79 of 87).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.83%

Rank 12 of 88

Net Interest Margin

4.45%

Rank 23 of 88

Efficiency Ratio

55.51%

Rank 25 of 88

Equity / Assets

15.26%

Rank 13 of 88

Non-interest income vs. expense

$8.1M$28.1MINCOMEEXPENSE
Unfavorable gap of $20.0M · efficiency ratio beats 73% of banks under $1B in assets in OK
Bank 55.51%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.83%0.85%1.26%1.62%Beats 86%12 / 88
Return on Equity11.96%7.40%11.89%14.66%Beats 52%42 / 88
Net Interest Margin4.45%3.51%3.93%4.47%Beats 74%23 / 88
Efficiency Ratio55.51%54.70%61.50%71.28%Beats 73%25 / 88
Asset Quality
Nonperforming Loans / Loans5.22%0.30%0.82%2.25%Beats 10%79 / 87
Net Charge-Offs / Loans0.38%0.00%0.03%0.20%Beats 17%73 / 87
Capital
Tier 1 Capital Ratio20.02%10.89%13.04%16.40%Beats 86%12 / 88
Total Risk-Based Capital Ratio21.27%11.20%13.09%16.43%Beats 88%11 / 88
Equity / Assets15.26%9.26%10.95%13.63%Beats 85%13 / 88
Liquidity & Funding
Loans / Deposits88.54%60.39%72.27%84.01%83rd pctl15 / 87
Loans / Assets74.60%52.51%63.37%71.46%82nd pctl16 / 88
Brokered Deposits / Depositsn/aNot reported for this institution