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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 $1.7MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $67.2M13%Noninterest $9.7MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.11%0.83%1.28%1.17%+11 bps
Return on Equity12.66%13.28%9.86%15.68%14.27%+161 bps
Net Interest Margin4.20%4.19%3.91%4.45%4.28%+8 bps
Efficiency Ratio64.73%63.57%70.01%60.25%62.89%-183 bps
Non-Interest Burden2.66%2.60%2.68%2.60%2.62%-3 bps
Growth
Asset Growth (YoY)11.42%23.81%16.00%17.93%13.72%+229 bps
Loan Growth (YoY)17.80%24.35%23.01%25.63%24.41%+660 bps
Deposit Growth (YoY)10.87%23.80%15.76%18.14%13.79%+292 bps
Asset Quality
Nonperforming Loans / Loans6.48%5.95%8.89%8.23%7.87%+138 bps
Net Charge-Offs / Loans0.00%-0.01%0.16%0.00%-0.01%-1 bps
Allowance / Loans2.27%2.17%1.87%1.95%1.99%-28 bps
Allowance Coverage of NPLs0.3x0.4x0.2x0.2x0.3x-0.1x
Capital
Tier 1 Leverage Ratio8.52%8.52%8.32%8.32%8.31%-21 bps
Total Risk-Based Capital16.26%15.77%13.14%14.43%15.25%-101 bps
Equity / Assets8.40%8.30%8.56%7.86%8.20%-20 bps
Liquidity & Funding
Loans / Deposits60.86%62.50%72.21%63.51%66.54%+568 bps
Liquid Assets / Assets1.55%3.24%1.64%1.79%3.38%+183 bps
CRE / Total Capitaln/a131.73%209%202%n/an/a