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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

$269.5MAssets
$232.9MLoans
$224.2MDeposits
$43.2MEquity
Loan mix
88%RE $194.6M11%C&I $25.3M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $126.8M43%Noninterest $97.4MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.24%2.28%2.35%2.51%2.44%+20 bps
Return on Equity15.55%15.76%16.28%16.86%15.97%+42 bps
Net Interest Margin5.37%5.36%5.29%5.66%5.86%+49 bps
Efficiency Ratio49.30%48.54%47.48%43.91%44.99%-431 bps
Non-Interest Burden2.44%2.40%2.31%2.28%2.43%-2 bps
Growth
Asset Growth (YoY)8.91%11.95%18.84%7.67%5.80%-310 bps
Loan Growth (YoY)18.75%13.32%6.47%10.59%19.49%+75 bps
Deposit Growth (YoY)7.88%11.35%19.38%6.08%3.90%-398 bps
Asset Quality
Nonperforming Loans / Loans2.72%0.74%0.55%0.16%0.14%-258 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%-0.01%0 bps
Allowance / Loans1.51%1.54%1.52%1.43%1.39%-12 bps
Allowance Coverage of NPLs0.6x2.1x2.8x8.8x10.0x+9.4x
Capital
Tier 1 Leverage Ratio14.79%15.08%14.98%15.32%16.42%+163 bps
Total Risk-Based Capital20.66%21.79%22.15%21.72%21.22%+57 bps
Equity / Assets14.55%14.68%14.37%15.41%16.05%+150 bps
Liquidity & Funding
Loans / Deposits90.35%89.01%86.19%97.29%103.91%+1,356 bps
Liquid Assets / Assets14.73%16.62%18.60%10.76%6.09%-865 bps
CRE / Total Capitaln/a251%242%242%n/an/a