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Letter portraitLegal landscapeQuarterYTD

Acb Bank

Cherokee, OK · Cert 4061 · Alfalfa County Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$135.5MAssets
$103.1MLoans
$114.8MDeposits
$16.4MEquity
Loan mix
86%RE $60.6M12%C&I $8.4M2%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $92.6M19%Noninterest $22.2MQ2 2025Q2 2026

NIM

6.13%Q2 ’246.10%Q2 ’255.80%Q2 ’26+6%+0%

Non-interest income vs. expense

2.54%Q2 ’242.55%Q2 ’252.41%Q2 ’26+2%-2%

Market Position · Enid, OK · 2026 SOD (annual) · 0.5% share · #9 of 14 inst. · $0.0B of $5.8B

26.2% Alfalfa
0.5% Garfield

Executive Summary

  • Earnings: ROA of 1.10%, up 6 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 1.77% of loans (-160 bps YoY), with net charge-offs at 1.08%.
  • Capital: tier 1 leverage ratio of 12.24%, up 4 bps from a year ago.
  • Funding: loans stand at 89.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.71%+2 bps YoY

Efficiency Ratio (YTD, annualized)

60.76%-214 bps YoY

Tier 1 Leverage Ratio

12.24%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.32%1.26%1.45%1.10%+6 bps
Return on Equity9.65%12.16%11.46%12.53%9.34%-31 bps
Net Interest Margin3.69%3.86%4.07%3.91%3.71%+2 bps
Efficiency Ratio62.90%58.71%62.68%55.98%60.76%-214 bps
Non-Interest Burden2.18%2.12%2.43%2.07%2.15%-3 bps
Growth
Asset Growth (YoY)1.53%5.37%3.91%7.31%-3.20%-473 bps
Loan Growth (YoY)-0.07%1.12%5.58%3.24%-0.96%-90 bps
Deposit Growth (YoY)-0.69%3.57%1.14%2.32%2.08%+277 bps
Asset Quality
Nonperforming Loans / Loans3.37%2.19%0.21%0.14%1.77%-160 bps
Net Charge-Offs / Loans0.04%0.03%0.09%1.32%1.08%+104 bps
Allowance / Loans2.13%2.11%1.99%1.71%1.66%-47 bps
Allowance Coverage of NPLs0.6x1.0x9.4x12.5x0.9x+0.3x
Capital
Tier 1 Leverage Ratio12.20%12.01%12.07%12.41%12.24%+4 bps
Total Risk-Based Capital12.20%12.01%12.07%12.41%12.24%+4 bps
Equity / Assets10.77%11.34%11.44%11.76%12.09%+132 bps
Liquidity & Funding
Loans / Deposits92.62%92.00%94.44%91.50%89.86%-276 bps
Liquid Assets / Assets0.20%0.11%0.07%0.10%0.39%+19 bps
CRE / Total Capitaln/a133.78%135.85%115.61%n/an/a