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Oklahoma National Bank and Trust Company

Tulsa, OK · Cert 35348

FDIC · 10 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Oklahoma National Bank and Trust Company

Tulsa, OK · Cert 35348

FDIC · 10 branches

Q3 2021

$743.5MAssets
$622.9MLoans
$563.5MDeposits
$136.4MEquity
Loan mix
83%RE $297.3M17%C&I $60.8M0%Consumer $1.7MQ3 2020Q3 2021
Deposit mix
72%Interest-bearing $403.9M28%Noninterest $159.6MQ3 2020Q3 2021

NIM

4.77%Q3 ’194.04%Q3 ’204.07%Q3 ’21-9%+9%

Non-interest income vs. expense

1.93%Q3 ’191.76%Q3 ’201.88%Q3 ’21-13%-1%

Market Position · Tulsa, OK · 2021 SOD (annual) · 1.5% share · #15 of 59 inst. · $0.6B of $37.4B

1.6% Tulsa
3.3% Creek
0.1% Oklahoma
0.0% Boone

Executive Summary

  • Earnings: ROA of 1.73%, up 20 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.12% of loans (-38 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.35%, down 48 bps from a year ago.
  • Funding: loans stand at 110.54% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

1.73%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+33 bps YoY

Efficiency Ratio (YTD, annualized)

44.55%-200 bps YoY

Tier 1 Leverage Ratio

11.35%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets1.53%1.58%1.65%1.62%1.73%+20 bps
Return on Equity8.22%8.55%9.21%9.07%9.59%+137 bps
Net Interest Margin3.71%3.80%4.00%3.90%4.04%+33 bps
Efficiency Ratio46.56%45.72%45.15%45.80%44.55%-200 bps
Non-Interest Burden1.42%1.41%1.43%1.42%1.40%-2 bps
Growth
Asset Growth (YoY)9.44%7.41%8.66%-0.50%-1.91%-1,134 bps
Loan Growth (YoY)5.46%5.02%4.74%-3.90%-1.47%-693 bps
Deposit Growth (YoY)11.99%8.07%11.92%0.34%-3.29%-1,529 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.39%0.28%0.37%0.12%-38 bps
Net Charge-Offs / Loans0.00%0.01%-0.02%-0.02%-0.02%-1 bps
Allowance / Loans1.55%1.58%1.61%1.65%1.60%+5 bps
Allowance Coverage of NPLs3.1x4.0x5.8x4.5x13.8x+10.7x
Capital
Tier 1 Leverage Ratio11.83%11.34%11.35%11.21%11.35%-48 bps
Total Risk-Based Capital13.93%13.75%13.79%13.73%13.10%-83 bps
Equity / Assets18.50%18.05%17.84%17.87%18.34%-16 bps
Liquidity & Funding
Loans / Deposits108.49%105.19%102.93%101.17%110.54%+205 bps
Liquid Assets / Assets1.11%2.61%3.60%4.75%0.00%-111 bps
CRE / Total Capitaln/an/an/an/an/an/an/a