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Allnations Bank

Calumet, OK · Cert 4051 · Allnations Bcorp Inc.

State charter, Fed member · FED · 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 Oklahoma City, 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 Oklahoma City, OK area (n=25). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

56

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

Allnations Bank

Calumet, OK · Cert 4051 · Allnations Bcorp Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$84.5MAssets
$51.2MLoans
$76.9MDeposits
$6.9MEquity
Loan mix
69%RE $27.4M26%C&I $10.3M4%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $67.2M13%Noninterest $9.7MQ3 2024Q2 2026

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #56 of 71 inst. · $0.1B of $60.8B

2.4% Canadian
0.3% Pottawatomie

Executive Summary

  • Earnings: ROA of 1.17%, up 11 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 7.87% of loans (+138 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.31%, down 21 bps from a year ago.
  • Funding: loans stand at 66.54% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.17%+11 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+8 bps YoY

Efficiency Ratio (YTD, annualized)

62.89%-183 bps YoY

Tier 1 Leverage Ratio

8.31%-21 bps YoY

NIM

6.06%Q2 ’246.13%Q2 ’255.91%Q2 ’26+4%+2%

Non-interest income vs. expense

3.21%Q2 ’242.83%Q2 ’252.80%Q2 ’26-12%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.86%1.08%1.06%1.11%0.83%1.28%1.17%+11 bps
Return on Equity6.38%9.92%12.85%12.66%13.28%9.86%15.68%14.27%+161 bps
Net Interest Margin3.86%4.05%4.34%4.20%4.19%3.91%4.45%4.28%+8 bps
Efficiency Ratio82.75%80.84%64.88%64.73%63.57%70.01%60.25%62.89%-183 bps
Non-Interest Burden3.16%3.23%2.75%2.66%2.60%2.68%2.60%2.62%-3 bps
Growth
Asset Growth (YoY)20.90%22.41%20.16%11.42%23.81%16.00%17.93%13.72%+229 bps
Loan Growth (YoY)20.59%22.26%19.11%17.80%24.35%23.01%25.63%24.41%+660 bps
Deposit Growth (YoY)21.24%23.21%20.62%10.87%23.80%15.76%18.14%13.79%+292 bps
Asset Quality
Nonperforming Loans / Loans11.25%4.94%5.09%6.48%5.95%8.89%8.23%7.87%+138 bps
Net Charge-Offs / Loans-0.59%-0.64%0.00%0.00%-0.01%0.16%0.00%-0.01%-1 bps
Allowance / Loans2.53%2.13%2.26%2.27%2.17%1.87%1.95%1.99%-28 bps
Allowance Coverage of NPLs0.2x0.4x0.4x0.3x0.4x0.2x0.2x0.3x-0.1x
Capital
Tier 1 Leverage Ratio8.67%9.05%8.69%8.52%8.52%8.32%8.32%8.31%-21 bps
Total Risk-Based Capital15.70%15.28%15.43%16.26%15.77%13.14%14.43%15.25%-101 bps
Equity / Assets8.68%8.62%8.21%8.40%8.30%8.56%7.86%8.20%-20 bps
Liquidity & Funding
Loans / Deposits62.22%67.96%59.73%60.86%62.50%72.21%63.51%66.54%+568 bps
Liquid Assets / Assets6.86%2.42%2.78%1.55%3.24%1.64%1.79%3.38%+183 bps
CRE / Total Capitaln/an/an/an/a131.73%209%202%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

Allnations Bank

Calumet, OK · Cert 4051 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Allnations Bcorp Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$84.5MAssets
$51.2MLoans
$76.9MDeposits
$6.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Oklahoma City, OK area (rank 8 of 25).
  • Widest gap: nonperforming loans / loans trails 92% of banks under $1B in assets in the Oklahoma City, OK area (rank 24 of 25).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.15%

Rank 9 of 25

Net Interest Margin

4.28%

Rank 5 of 25

Efficiency Ratio

62.89%

Rank 12 of 25

Equity / Assets

8.20%

Rank 21 of 25

Non-interest income vs. expense

$0.2M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 56% of banks under $1B in assets in the Oklahoma City, OK area
Bank 62.89%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.15%0.60%0.90%1.27%Beats 64%9 / 25
Return on Equity13.96%6.92%9.16%13.29%Beats 76%6 / 25
Net Interest Margin4.28%3.56%3.82%4.10%Beats 80%5 / 25
Efficiency Ratio62.89%56.35%63.12%79.22%Beats 56%12 / 25
Asset Quality
Nonperforming Loans / Loans7.87%0.33%0.76%2.35%Beats 8%24 / 25
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%8 / 25
Capital
Tier 1 Capital Ratio13.99%10.27%12.02%13.99%Beats 72%7 / 25
Total Risk-Based Capital Ratio15.25%10.27%12.44%15.25%Beats 72%7 / 25
Equity / Assets8.20%8.64%10.07%11.05%Beats 16%21 / 25
Liquidity & Funding
Loans / Deposits66.54%70.71%82.03%97.03%20th pctl20 / 25
Loans / Assets60.53%62.67%74.54%84.24%20th pctl20 / 25
Brokered Deposits / Depositsn/aNot reported for this institution