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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