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First National Bank and Trust Company, Chickasha, Oklahoma, The

Chickasha, OK · Cert 4062 · First Independent Bcorp Inc.

National charter · OCC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

75

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, Chickasha, Oklahoma, The

Chickasha, OK · Cert 4062 · First Independent Bcorp Inc.

National charter · OCC · 9 branches

Q2 2026

$1.1BAssets
$523.3MLoans
$897.1MDeposits
$137.1MEquity
Loan mix
83%RE $397.9M15%C&I $72.2M2%Consumer $10.5MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $655.4M27%Noninterest $241.6MQ2 2025Q2 2026

NIM

4.64%Q2 ’244.76%Q2 ’254.83%Q2 ’26+9%+9%

Non-interest income vs. expense

2.00%Q2 ’242.02%Q2 ’252.11%Q2 ’26+4%+8%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 1.5% share · #9 of 71 inst. · $0.9B of $60.8B

44.1% Grady
23.9% McClain
0.1% Oklahoma

Executive Summary

  • Earnings: ROA of 1.65%, up 22 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 2.61% of loans (-1 bps YoY), with net recoveries of 0.11%.
  • Capital: tier 1 leverage ratio of 13.31%, up 58 bps from a year ago.
  • Funding: loans stand at 58.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.65%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+28 bps YoY

Efficiency Ratio (YTD, annualized)

51.36%-118 bps YoY

Tier 1 Leverage Ratio

13.31%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.60%1.66%1.60%1.65%+22 bps
Return on Equity12.90%14.01%14.13%12.48%12.85%-5 bps
Net Interest Margin3.17%3.26%3.28%3.42%3.45%+28 bps
Efficiency Ratio52.54%50.78%50.28%51.05%51.36%-118 bps
Non-Interest Burden1.32%1.29%1.28%1.37%1.42%+10 bps
Growth
Asset Growth (YoY)0.12%1.05%3.72%3.27%2.79%+267 bps
Loan Growth (YoY)2.25%3.45%4.80%3.08%1.00%-124 bps
Deposit Growth (YoY)-0.29%0.27%2.25%0.83%2.29%+258 bps
Asset Quality
Nonperforming Loans / Loans2.62%2.39%2.75%2.70%2.61%-1 bps
Net Charge-Offs / Loans0.03%0.04%0.04%0.02%-0.11%-14 bps
Allowance / Loans1.40%1.29%1.30%1.31%1.32%-8 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio12.74%13.27%13.40%13.67%13.31%+58 bps
Total Risk-Based Capital12.74%13.27%13.40%13.67%13.31%+58 bps
Equity / Assets11.11%12.42%12.87%12.77%12.81%+170 bps
Liquidity & Funding
Loans / Deposits59.08%59.23%60.53%59.29%58.34%-74 bps
Liquid Assets / Assets10.21%10.05%10.48%11.30%10.72%+51 bps
CRE / Total Capitaln/a203%213%208%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, Chickasha, Oklahoma, The

Chickasha, OK · Cert 4062 · Peer group: banks $1B-$10B in assets (n=322-328) · First Independent Bcorp Inc.

National charter · OCC · 9 branches

Q2 2026

$1.1BAssets
$523.3MLoans
$897.1MDeposits
$137.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 82% of banks $1B-$10B in assets (rank 58 of 328).
  • Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets (rank 300 of 322).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.64%

Rank 69 of 328

Net Interest Margin

3.45%

Rank 166 of 328

Efficiency Ratio

51.36%

Rank 82 of 328

Equity / Assets

12.81%

Rank 58 of 328

Non-interest income vs. expense

$7.5M$23.1MINCOMEEXPENSE
Unfavorable gap of $15.6M · efficiency ratio beats 75% of banks $1B-$10B in assets
Bank 51.36%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.64%0.91%1.22%1.52%Beats 79%69 / 328
Return on Equity12.79%8.43%11.45%14.43%Beats 61%128 / 328
Net Interest Margin3.45%3.03%3.45%3.83%Beats 49%166 / 328
Efficiency Ratio51.36%51.61%59.56%67.53%Beats 75%82 / 328
Asset Quality
Nonperforming Loans / Loans2.61%0.24%0.51%1.03%Beats 7%300 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 60%131 / 322
Capital
Tier 1 Capital Ratio13.31%11.75%13.15%15.47%Beats 54%151 / 328
Total Risk-Based Capital Ratio13.31%12.63%14.15%16.46%Beats 38%203 / 328
Equity / Assets12.81%9.15%10.33%12.01%Beats 82%58 / 328
Liquidity & Funding
Loans / Deposits58.34%76.63%87.92%95.36%6th pctl303 / 323
Loans / Assets48.90%65.18%74.15%79.98%7th pctl304 / 328
Brokered Deposits / Depositsn/aNot reported for this institution