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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

5.52%Q2 ’245.82%Q2 ’255.83%Q2 ’26+21%+3%

Non-interest income vs. expense

2.86%Q2 ’242.97%Q2 ’253.01%Q2 ’26+9%+1%

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 1.89%, up 21 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 5.22% of loans (+1 bps YoY), with net charge-offs at 1.41%.
  • 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 (quarter, annualized)

1.89%+21 bps YoY

Net Interest Margin (quarter, annualized)

4.51%+12 bps YoY

Efficiency Ratio (quarter, annualized)

55.19%-124 bps YoY

Tier 1 Leverage Ratio

14.89%+133 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.99%2.19%1.77%1.89%+21 bps
Return on Equity12.30%13.99%14.86%11.77%12.45%+16 bps
Net Interest Margin4.39%4.48%4.59%4.42%4.51%+12 bps
Efficiency Ratio56.44%47.58%45.99%53.50%55.19%-124 bps
Non-Interest Burden2.14%1.70%1.69%2.02%2.16%+1 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 / Loans0.02%0.14%-0.04%0.00%1.41%+140 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