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First National Bank and Trust Company of Broken Arrow, The

Broken Arrow, OK · Cert 4050 · First Broken Arrow Corp.

National charter · OCC · 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 the Tulsa, OK area3

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 the Tulsa, OK area (n=18). 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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

94

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 National Bank and Trust Company of Broken Arrow, The

Broken Arrow, OK · Cert 4050 · First Broken Arrow Corp.

National charter · OCC · 2 branches

Q2 2026

$269.5MAssets
$232.9MLoans
$224.2MDeposits
$43.2MEquity
Loan mix
88%RE $194.6M11%C&I $25.3M0%Consumer $0.4MQ3 2024Q2 2026
Deposit mix
57%Interest-bearing $126.8M43%Noninterest $97.4MQ3 2024Q2 2026

Market Position · Tulsa, OK · 2026 SOD (annual) · 0.6% share · #29 of 59 inst. · $0.2B of $39.3B

0.6% Tulsa
5.1% Wagoner

Executive Summary

  • Earnings: ROA of 2.44%, up 20 bps year over year; NIM at 5.86%.
  • Asset quality: problem loans at 0.14% of loans (-258 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 16.42%, up 163 bps from a year ago.
  • Funding: loans stand at 103.91% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.44%+20 bps YoY

Net Interest Margin (YTD, annualized)

5.86%+49 bps YoY

Efficiency Ratio (YTD, annualized)

44.99%-431 bps YoY

Tier 1 Leverage Ratio

16.42%+163 bps YoY

NIM

5.62%Q2 ’246.02%Q2 ’256.50%Q2 ’26+3%+9%

Non-interest income vs. expense

2.90%Q2 ’242.84%Q2 ’252.81%Q2 ’26-2%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.00%1.99%2.14%2.24%2.28%2.35%2.51%2.44%+20 bps
Return on Equity15.19%14.77%14.91%15.55%15.76%16.28%16.86%15.97%+42 bps
Net Interest Margin5.28%5.49%5.51%5.37%5.36%5.29%5.66%5.86%+49 bps
Efficiency Ratio51.11%50.42%50.38%49.30%48.54%47.48%43.91%44.99%-431 bps
Non-Interest Burden2.50%2.56%2.57%2.44%2.40%2.31%2.28%2.43%-2 bps
Growth
Asset Growth (YoY)-5.95%-6.79%4.85%8.91%11.95%18.84%7.67%5.80%-310 bps
Loan Growth (YoY)17.57%21.07%23.32%18.75%13.32%6.47%10.59%19.49%+75 bps
Deposit Growth (YoY)-9.25%-9.99%3.22%7.88%11.35%19.38%6.08%3.90%-398 bps
Asset Quality
Nonperforming Loans / Loans1.52%2.05%2.40%2.72%0.74%0.55%0.16%0.14%-258 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%-0.01%-0.01%0 bps
Allowance / Loans1.44%1.50%1.45%1.51%1.54%1.52%1.43%1.39%-12 bps
Allowance Coverage of NPLs0.9x0.7x0.6x0.6x2.1x2.8x8.8x10.0x+9.4x
Capital
Tier 1 Leverage Ratio14.34%15.03%15.05%14.79%15.08%14.98%15.32%16.42%+163 bps
Total Risk-Based Capital20.34%19.13%19.31%20.66%21.79%22.15%21.72%21.22%+57 bps
Equity / Assets14.21%14.58%14.14%14.55%14.68%14.37%15.41%16.05%+150 bps
Liquidity & Funding
Loans / Deposits87.46%96.65%93.32%90.35%89.01%86.19%97.29%103.91%+1,356 bps
Liquid Assets / Assets9.51%3.92%10.02%14.73%16.62%18.60%10.76%6.09%-865 bps
CRE / Total Capitaln/an/an/an/a251%242%242%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 National Bank and Trust Company of Broken Arrow, The

Broken Arrow, OK · Cert 4050 · Peer group: banks under $1B in assets in the Tulsa, OK area (n=18) · First Broken Arrow Corp.

National charter · OCC · 2 branches

Q2 2026

$269.5MAssets
$232.9MLoans
$224.2MDeposits
$43.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 94% of banks under $1B in assets in the Tulsa, OK area (rank 1 of 18).
  • Widest gap: nonperforming loans / loans trails 33% of banks under $1B in assets in the Tulsa, OK area (rank 7 of 18).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.47%

Rank 1 of 18

Net Interest Margin

5.86%

Rank 1 of 18

Efficiency Ratio

44.99%

Rank 2 of 18

Equity / Assets

16.05%

Rank 1 of 18

Non-interest income vs. expense

$1.0M$7.4MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 94% of banks under $1B in assets in the Tulsa, OK area
Bank 44.99%Peer median 62.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.47%0.94%1.44%1.74%Beats 94%1 / 18
Return on Equity15.37%9.63%12.74%15.04%Beats 78%4 / 18
Net Interest Margin5.86%3.75%4.31%4.83%Beats 94%1 / 18
Efficiency Ratio44.99%53.05%62.57%69.59%Beats 94%2 / 18
Asset Quality
Nonperforming Loans / Loans0.14%0.01%0.41%0.86%Beats 67%7 / 18
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 72%6 / 18
Capital
Tier 1 Capital Ratio19.97%11.17%13.04%15.32%Beats 94%1 / 18
Total Risk-Based Capital Ratio21.22%11.17%13.81%15.32%Beats 94%1 / 18
Equity / Assets16.05%9.28%11.57%13.43%Beats 94%1 / 18
Liquidity & Funding
Loans / Deposits103.91%72.39%85.72%91.52%94th pctl1 / 18
Loans / Assets86.44%60.70%74.00%81.85%94th pctl1 / 18
Brokered Deposits / Depositsn/aNot reported for this institution