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Frazer Bank

Altus, OK · Cert 4031 · First Altus Bcorp Inc.

State charter, Fed member · FED · 6 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

19

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

Frazer Bank

Altus, OK · Cert 4031 · First Altus Bcorp Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$354.3MAssets
$196.2MLoans
$317.1MDeposits
$36.3MEquity
Loan mix
80%RE $137.1M16%C&I $27.8M4%Consumer $7.3MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $270.3M15%Noninterest $46.8MQ2 2025Q2 2026

NIM

4.96%Q2 ’244.85%Q2 ’254.61%Q2 ’26+12%+7%

Non-interest income vs. expense

2.57%Q2 ’242.48%Q2 ’252.67%Q2 ’26-4%+9%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #63 of 71 inst. · $0.0B of $60.8B

30.3% Jackson
0.1% Oklahoma
22.8% Tillman
16.0% Kiowa

Executive Summary

  • Earnings: ROA of 0.51%, up 1 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.21%, down 58 bps from a year ago.
  • Funding: loans stand at 61.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+20 bps YoY

Efficiency Ratio (YTD, annualized)

79.93%+83 bps YoY

Tier 1 Leverage Ratio

11.21%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.53%0.52%0.70%0.51%+1 bps
Return on Equity5.18%5.29%5.14%6.91%5.05%-13 bps
Net Interest Margin2.80%2.89%2.96%2.97%3.00%+20 bps
Efficiency Ratio79.10%78.56%77.61%72.03%79.93%+83 bps
Non-Interest Burden2.15%2.19%2.22%2.04%2.33%+18 bps
Growth
Asset Growth (YoY)-2.97%-5.73%-7.45%5.86%1.84%+481 bps
Loan Growth (YoY)-15.08%-19.32%-15.72%-12.93%-10.82%+426 bps
Deposit Growth (YoY)-4.20%-6.95%-8.92%6.09%1.80%+599 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.10%0.19%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans1.36%1.44%1.51%1.53%1.52%+17 bps
Allowance Coverage of NPLsn/an/a15.6x8.1xn/an/a
Capital
Tier 1 Leverage Ratio11.79%11.97%12.02%11.35%11.21%-58 bps
Total Risk-Based Capital17.24%18.15%18.76%18.61%18.30%+106 bps
Equity / Assets10.18%10.81%10.45%9.90%10.25%+7 bps
Liquidity & Funding
Loans / Deposits70.64%70.23%64.26%59.60%61.88%-876 bps
Liquid Assets / Assets12.69%12.58%15.22%18.83%12.88%+19 bps
CRE / Total Capitaln/a302%252%246%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

Frazer Bank

Altus, OK · Cert 4031 · Peer group: banks under $1B in assets in OK (n=88-89) · First Altus Bcorp Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$354.3MAssets
$196.2MLoans
$317.1MDeposits
$36.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 12 of 88).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets in OK (rank 82 of 89).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.51%

Rank 76 of 89

Net Interest Margin

3.00%

Rank 82 of 89

Efficiency Ratio

79.93%

Rank 73 of 89

Equity / Assets

10.25%

Rank 57 of 89

Non-interest income vs. expense

$1.2M$9.6MINCOMEEXPENSE
Unfavorable gap of $8.4M · efficiency ratio beats 19% of banks under $1B in assets in OK
Bank 79.93%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.51%0.85%1.26%1.60%Beats 15%76 / 89
Return on Equity5.02%7.40%11.89%14.65%Beats 17%74 / 89
Net Interest Margin3.00%3.46%3.93%4.45%Beats 8%82 / 89
Efficiency Ratio79.93%54.70%60.95%71.14%Beats 19%73 / 89
Asset Quality
Nonperforming Loans / Loans0.00%0.30%0.82%2.25%Beats 100%12 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio17.05%10.89%13.00%16.33%Beats 82%16 / 89
Total Risk-Based Capital Ratio18.30%11.20%13.06%16.33%Beats 83%15 / 89
Equity / Assets10.25%9.26%10.94%13.52%Beats 36%57 / 89
Liquidity & Funding
Loans / Deposits61.88%61.51%72.27%84.01%26th pctl65 / 88
Loans / Assets55.40%52.51%63.15%71.27%30th pctl62 / 89
Brokered Deposits / Depositsn/aNot reported for this institution