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Great Plains National Bank

Elk City, OK · Cert 34207 · Great Plains Bancshares Inc.

National charter · OCC · 24 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 (n=322 to 328). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

29

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

Great Plains National Bank

Elk City, OK · Cert 34207 · Great Plains Bancshares Inc.

National charter · OCC · 24 branches

Q2 2026

$1.9BAssets
$1.7BLoans
$1.7BDeposits
$193.5MEquity
Loan mix
73%RE $1.1B25%C&I $0.4B3%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.4B19%Noninterest $0.3BQ2 2025Q2 2026

NIM

7.36%Q2 ’247.13%Q2 ’257.04%Q2 ’26-1%+5%

Non-interest income vs. expense

3.79%Q2 ’244.09%Q2 ’254.20%Q2 ’26+5%0%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.7% share · #26 of 71 inst. · $0.4B of $60.8B

34.2% Beckham
0.4% Tarrant
6.7% Canadian
0.2% Oklahoma

Executive Summary

  • Earnings: ROA of 1.48%, up 18 bps year over year; NIM at 5.02%.
  • Asset quality: problem loans at 1.33% of loans (+29 bps YoY), with net charge-offs at 0.37%.
  • Capital: tier 1 leverage ratio of 9.42%, up 22 bps from a year ago.
  • Funding: loans stand at 96.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+18 bps YoY

Net Interest Margin (YTD, annualized)

5.02%+25 bps YoY

Efficiency Ratio (YTD, annualized)

65.26%-217 bps YoY

Tier 1 Leverage Ratio

9.42%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.41%1.41%1.47%1.48%+18 bps
Return on Equity13.05%14.17%14.10%14.21%14.46%+141 bps
Net Interest Margin4.76%4.84%4.91%5.06%5.02%+25 bps
Efficiency Ratio67.43%65.99%64.69%64.52%65.26%-217 bps
Non-Interest Burden2.79%2.74%2.71%2.80%2.78%-1 bps
Growth
Asset Growth (YoY)8.56%7.96%7.17%7.39%4.76%-380 bps
Loan Growth (YoY)6.31%8.43%11.22%13.57%9.52%+322 bps
Deposit Growth (YoY)8.44%7.73%6.69%6.89%4.23%-421 bps
Asset Quality
Nonperforming Loans / Loans1.04%0.99%1.56%1.60%1.33%+29 bps
Net Charge-Offs / Loans0.06%0.06%0.18%0.12%0.37%+31 bps
Allowance / Loans1.16%1.24%1.23%1.27%1.17%+1 bps
Allowance Coverage of NPLs1.1x1.3x0.8x0.8x0.9x-0.2x
Capital
Tier 1 Leverage Ratio9.20%9.18%9.53%9.68%9.42%+22 bps
Total Risk-Based Capital11.99%11.92%12.22%12.49%12.10%+11 bps
Equity / Assets9.72%10.03%10.34%10.29%10.03%+31 bps
Liquidity & Funding
Loans / Deposits91.97%92.46%96.73%95.75%96.64%+467 bps
Liquid Assets / Assets4.83%4.82%3.65%4.80%4.11%-72 bps
CRE / Total Capitaln/a359%355%350%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

Great Plains National Bank

Elk City, OK · Cert 34207 · Peer group: banks $1B-$10B in assets (n=322-328) · Great Plains Bancshares Inc.

National charter · OCC · 24 branches

Q2 2026

$1.9BAssets
$1.7BLoans
$1.7BDeposits
$193.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks $1B-$10B in assets (rank 17 of 328).
  • Widest gap: tier 1 capital ratio trails 88% of banks $1B-$10B in assets (rank 290 of 328).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.45%

Rank 95 of 328

Net Interest Margin

5.02%

Rank 17 of 328

Efficiency Ratio

65.79%

Rank 234 of 328

Equity / Assets

10.03%

Rank 179 of 328

Non-interest income vs. expense

$27.0M$80.1MINCOMEEXPENSE
Unfavorable gap of $53.1M · efficiency ratio beats 29% of banks $1B-$10B in assets
Bank 65.79%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%0.91%1.22%1.52%Beats 71%95 / 328
Return on Equity14.46%8.43%11.45%14.43%Beats 75%81 / 328
Net Interest Margin5.02%3.03%3.45%3.83%Beats 95%17 / 328
Efficiency Ratio65.79%51.61%59.56%67.53%Beats 29%234 / 328
Asset Quality
Nonperforming Loans / Loans1.33%0.24%0.51%1.03%Beats 19%263 / 322
Net Charge-Offs / Loans0.20%0.01%0.03%0.10%Beats 15%274 / 322
Capital
Tier 1 Capital Ratio10.86%11.75%13.15%15.47%Beats 12%290 / 328
Total Risk-Based Capital Ratio12.10%12.63%14.15%16.46%Beats 19%265 / 328
Equity / Assets10.03%9.15%10.33%12.01%Beats 45%179 / 328
Liquidity & Funding
Loans / Deposits96.64%76.63%87.92%95.36%78th pctl72 / 323
Loans / Assets85.59%65.18%74.15%79.98%93rd pctl24 / 328
Brokered Deposits / Depositsn/aNot reported for this institution