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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