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Legacy Bank

Hinton, OK · Cert 4042 · Midstate Bcorp Inc.

State charter, non-member · FDIC · 10 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

10

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

Legacy Bank

Hinton, OK · Cert 4042 · Midstate Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$686.5MAssets
$420.7MLoans
$624.8MDeposits
$57.2MEquity
Loan mix
86%RE $339.8M13%C&I $49.2M1%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $493.8M21%Noninterest $131.0MQ2 2025Q2 2026

NIM

6.55%Q2 ’246.19%Q2 ’255.78%Q2 ’26-8%-8%

Non-interest income vs. expense

4.43%Q2 ’244.26%Q2 ’254.02%Q2 ’26-10%+3%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.5% share · #38 of 71 inst. · $0.3B of $60.8B

0.3% Oklahoma
15.2% McClain
15.3% Caddo
7.9% Stephens

Executive Summary

  • Earnings: ROA of 0.22%, down 32 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 3.22% of loans (-148 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 8.53%, down 67 bps from a year ago.
  • Funding: loans stand at 67.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.22%-32 bps YoY

Net Interest Margin (YTD, annualized)

3.93%-35 bps YoY

Efficiency Ratio (YTD, annualized)

92.26%+761 bps YoY

Tier 1 Leverage Ratio

8.53%-67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.52%0.85%0.34%0.22%-32 bps
Return on Equity5.92%5.70%9.31%3.97%2.62%-330 bps
Net Interest Margin4.28%4.24%4.17%4.12%3.93%-35 bps
Efficiency Ratio84.66%85.22%83.23%88.90%92.26%+761 bps
Non-Interest Burden3.51%3.50%3.32%3.61%3.60%+9 bps
Growth
Asset Growth (YoY)6.11%7.53%6.82%9.80%6.85%+74 bps
Loan Growth (YoY)2.35%4.84%4.51%9.99%12.19%+984 bps
Deposit Growth (YoY)6.68%7.66%6.81%10.76%7.80%+112 bps
Asset Quality
Nonperforming Loans / Loans4.70%4.42%1.50%1.26%3.22%-148 bps
Net Charge-Offs / Loans0.06%0.00%-0.53%0.03%-0.09%-16 bps
Allowance / Loans1.54%1.54%1.59%1.56%1.60%+6 bps
Allowance Coverage of NPLs0.3x0.3x1.1x1.2x0.5x+0.2x
Capital
Tier 1 Leverage Ratio9.20%9.19%8.83%8.75%8.53%-67 bps
Total Risk-Based Capital18.24%17.94%17.25%16.67%16.09%-215 bps
Equity / Assets9.07%9.35%8.97%8.39%8.33%-74 bps
Liquidity & Funding
Loans / Deposits64.69%67.55%66.24%64.92%67.33%+264 bps
Liquid Assets / Assets8.75%5.29%8.89%7.97%6.08%-267 bps
CRE / Total Capitaln/a353%373%385%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

Legacy Bank

Hinton, OK · Cert 4042 · Peer group: banks under $1B in assets in OK (n=88-89) · Midstate Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$686.5MAssets
$420.7MLoans
$624.8MDeposits
$57.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 73% of banks under $1B in assets in OK (rank 24 of 89).
  • Widest gap: efficiency ratio trails 90% of banks under $1B in assets in OK (rank 81 of 89).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.22%

Rank 80 of 89

Net Interest Margin

3.93%

Rank 44 of 89

Efficiency Ratio

92.26%

Rank 81 of 89

Equity / Assets

8.33%

Rank 78 of 89

Non-interest income vs. expense

$2.9M$27.6MINCOMEEXPENSE
Unfavorable gap of $24.7M · efficiency ratio beats 10% of banks under $1B in assets in OK
Bank 92.26%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.22%0.85%1.26%1.60%Beats 10%80 / 89
Return on Equity2.67%7.40%11.89%14.65%Beats 11%79 / 89
Net Interest Margin3.93%3.46%3.93%4.45%Beats 51%44 / 89
Efficiency Ratio92.26%54.70%60.95%71.14%Beats 10%81 / 89
Asset Quality
Nonperforming Loans / Loans3.22%0.30%0.82%2.25%Beats 16%75 / 88
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 61%36 / 88
Capital
Tier 1 Capital Ratio14.83%10.89%13.00%16.33%Beats 70%27 / 89
Total Risk-Based Capital Ratio16.09%11.20%13.06%16.33%Beats 73%24 / 89
Equity / Assets8.33%9.26%10.94%13.52%Beats 12%78 / 89
Liquidity & Funding
Loans / Deposits67.33%61.51%72.27%84.01%36th pctl56 / 88
Loans / Assets61.28%52.51%63.15%71.27%45th pctl49 / 89
Brokered Deposits / Depositsn/aNot reported for this institution