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First Security Bank, The

Beaver, OK · Cert 4041 · Community Capital Bcorp Inc.

State charter, non-member · FDIC · 3 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

6

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

61

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 Security Bank, The

Beaver, OK · Cert 4041 · Community Capital Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$335.0MAssets
$291.1MLoans
$277.4MDeposits
$28.5MEquity
Loan mix
53%RE $120.8M43%C&I $98.0M3%Consumer $7.9MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $257.7M7%Noninterest $19.6MQ2 2025Q2 2026

NIM

5.78%Q2 ’247.65%Q2 ’256.98%Q2 ’26+34%-17%

Non-interest income vs. expense

3.65%Q2 ’243.75%Q2 ’252.52%Q2 ’26+4%-33%

Market Position · Beaumont-Port Arthur, TX · 2026 SOD (annual) · 1.7% share · #12 of 20 inst. · $0.1B of $7.7B

60.1% Beaver
1.6% Jefferson
6.3% Hardin

Executive Summary

  • Earnings: ROA of 1.11%, up 33 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 2.34% of loans (+119 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 8.29%, down 109 bps from a year ago.
  • Funding: loans stand at 104.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.29%-89 bps YoY

Efficiency Ratio (YTD, annualized)

57.78%-1,352 bps YoY

Tier 1 Leverage Ratio

8.29%-109 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.77%0.87%0.67%1.11%+33 bps
Return on Equity9.45%9.26%10.66%7.97%13.18%+372 bps
Net Interest Margin5.18%5.03%4.94%5.87%4.29%-89 bps
Efficiency Ratio71.31%72.42%70.62%70.65%57.78%-1,352 bps
Non-Interest Burden3.54%3.51%3.36%4.02%2.39%-115 bps
Growth
Asset Growth (YoY)44.47%56.00%59.24%45.69%45.19%+72 bps
Loan Growth (YoY)74.29%84.62%93.43%58.95%55.71%-1,858 bps
Deposit Growth (YoY)39.65%46.64%52.02%43.86%37.65%-200 bps
Asset Quality
Nonperforming Loans / Loans1.15%0.99%0.94%0.81%2.34%+119 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.03%0.08%+8 bps
Allowance / Loans0.83%0.89%0.94%1.09%1.13%+30 bps
Allowance Coverage of NPLs0.7x0.9x1.0x1.3x0.5x-0.2x
Capital
Tier 1 Leverage Ratio9.38%9.10%8.37%9.78%8.29%-109 bps
Total Risk-Based Capital9.38%9.10%8.37%9.78%8.29%-109 bps
Equity / Assets8.22%8.24%7.67%9.08%8.52%+30 bps
Liquidity & Funding
Loans / Deposits92.80%97.61%99.87%98.83%104.97%+1,217 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a296%385%300%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 Security Bank, The

Beaver, OK · Cert 4041 · Peer group: banks under $1B in assets in OK (n=88-89) · Community Capital Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$335.0MAssets
$291.1MLoans
$277.4MDeposits
$28.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 71% of banks under $1B in assets in OK (rank 26 of 89).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets in OK (rank 88 of 89).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.02%

Rank 59 of 89

Net Interest Margin

4.29%

Rank 26 of 89

Efficiency Ratio

57.78%

Rank 36 of 89

Equity / Assets

8.52%

Rank 76 of 89

Non-interest income vs. expense

$0.4M$7.9MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 61% of banks under $1B in assets in OK
Bank 57.78%Peer median 61.0%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.85%1.26%1.60%Beats 34%59 / 89
Return on Equity12.02%7.40%11.89%14.65%Beats 53%42 / 89
Net Interest Margin4.29%3.46%3.93%4.45%Beats 71%26 / 89
Efficiency Ratio57.78%54.70%60.95%71.14%Beats 61%36 / 89
Asset Quality
Nonperforming Loans / Loans2.34%0.30%0.82%2.25%Beats 22%70 / 88
Net Charge-Offs / Loans0.04%0.00%0.03%0.20%Beats 44%50 / 88
Capital
Tier 1 Capital Ratio8.29%10.89%13.00%16.33%Beats 1%88 / 89
Total Risk-Based Capital Ratio8.29%11.20%13.06%16.33%Beats 1%88 / 89
Equity / Assets8.52%9.26%10.94%13.52%Beats 15%76 / 89
Liquidity & Funding
Loans / Deposits104.97%61.51%72.27%84.01%99th pctl1 / 88
Loans / Assets86.92%52.51%63.15%71.27%97th pctl3 / 89
Brokered Deposits / Depositsn/aNot reported for this institution