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First Summit Bank

Ryan, OK · Cert 399

State charter, non-member · FDIC · 2 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=88 to 89). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

20

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 Summit Bank

Ryan, OK · Cert 399

State charter, non-member · FDIC · 2 branches

Q2 2026

$33.8MAssets
$18.1MLoans
$29.0MDeposits
$4.7MEquity
Loan mix
80%RE $12.5M9%C&I $1.4M11%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $23.2M20%Noninterest $5.8MQ2 2025Q2 2026

NIM

6.46%Q2 ’246.11%Q2 ’255.66%Q2 ’26-7%-9%

Non-interest income vs. expense

5.30%Q2 ’244.17%Q2 ’253.62%Q2 ’26-27%-7%

Executive Summary

  • Earnings: ROA of 0.68%, down 51 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 7.11% of loans (+711 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.68%, down 10 bps from a year ago.
  • Funding: loans stand at 62.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%-51 bps YoY

Net Interest Margin (YTD, annualized)

4.23%-41 bps YoY

Efficiency Ratio (YTD, annualized)

78.40%-6 bps YoY

Tier 1 Leverage Ratio

13.68%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.41%0.94%1.04%0.68%-51 bps
Return on Equity8.50%10.00%6.78%7.76%5.02%-349 bps
Net Interest Margin4.64%4.62%4.14%4.19%4.23%-41 bps
Efficiency Ratio78.45%74.70%80.60%75.13%78.40%-6 bps
Non-Interest Burden3.49%3.23%3.20%3.04%3.23%-26 bps
Growth
Asset Growth (YoY)13.66%8.78%11.44%10.47%4.93%-873 bps
Loan Growth (YoY)-0.29%-8.14%3.57%8.34%4.37%+466 bps
Deposit Growth (YoY)14.58%8.64%12.17%11.31%4.92%-966 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%3.81%5.15%7.11%+711 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.20%1.25%1.25%1.26%1.54%+34 bps
Allowance Coverage of NPLsn/an/a0.3x0.2x0.2xn/a
Capital
Tier 1 Leverage Ratio13.78%14.21%13.45%13.49%13.68%-10 bps
Total Risk-Based Capital13.78%14.21%13.45%13.49%13.68%-10 bps
Equity / Assets13.92%14.31%13.28%13.65%13.95%+4 bps
Liquidity & Funding
Loans / Deposits62.63%60.74%61.43%61.68%62.30%-33 bps
Liquid Assets / Assets10.51%16.71%14.18%23.57%21.78%+1,128 bps
CRE / Total Capitaln/a97.96%89.02%86.12%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 Summit Bank

Ryan, OK · Cert 399 · Peer group: banks under $1B in assets in OK (n=88-89)

State charter, non-member · FDIC · 2 branches

Q2 2026

$33.8MAssets
$18.1MLoans
$29.0MDeposits
$4.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in OK (rank 85 of 88).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.69%

Rank 72 of 89

Net Interest Margin

4.23%

Rank 28 of 89

Efficiency Ratio

78.40%

Rank 72 of 89

Equity / Assets

13.95%

Rank 20 of 89

Non-interest income vs. expense

$0.1M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 20% of banks under $1B in assets in OK
Bank 78.40%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.85%1.26%1.60%Beats 19%72 / 89
Return on Equity4.97%7.40%11.89%14.65%Beats 16%75 / 89
Net Interest Margin4.23%3.46%3.93%4.45%Beats 69%28 / 89
Efficiency Ratio78.40%54.70%60.95%71.14%Beats 20%72 / 89
Asset Quality
Nonperforming Loans / Loans7.11%0.30%0.82%2.25%Beats 5%85 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio13.68%10.89%13.00%16.33%Beats 62%34 / 89
Total Risk-Based Capital Ratio13.68%11.20%13.06%16.33%Beats 55%40 / 89
Equity / Assets13.95%9.26%10.94%13.52%Beats 78%20 / 89
Liquidity & Funding
Loans / Deposits62.30%61.51%72.27%84.01%30th pctl62 / 88
Loans / Assets53.51%52.51%63.15%71.27%27th pctl65 / 89
Brokered Deposits / Depositsn/aNot reported for this institution