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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

$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