PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $10.5MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $655.4M27%Noninterest $241.6MQ3 2024Q2 2026

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 1.69%, up 14 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 2.61% of loans (-1 bps YoY), with net recoveries of 0.23%.
  • 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.

Return on Assets (quarter, annualized)

1.69%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.48%+21 bps YoY

Efficiency Ratio (quarter, annualized)

51.67%+49 bps YoY

Tier 1 Leverage Ratio

13.31%+58 bps YoY

NIM

4.79%Q2 ’244.87%Q2 ’254.84%Q2 ’26+9%+6%

Non-interest income vs. expense

1.96%Q2 ’242.02%Q2 ’252.12%Q2 ’26+4%+11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.47%1.31%1.55%1.94%1.81%1.60%1.69%+14 bps
Return on Equity12.73%12.99%11.79%14.01%16.45%14.28%12.48%13.24%-77 bps
Net Interest Margin3.01%3.14%3.11%3.27%3.45%3.41%3.42%3.48%+21 bps
Efficiency Ratio55.19%51.71%53.97%51.18%47.52%48.85%51.05%51.67%+49 bps
Non-Interest Burden1.33%1.26%1.33%1.32%1.24%1.28%1.37%1.48%+15 bps
Growth
Asset Growth (YoY)4.16%2.12%0.76%0.12%1.05%3.72%3.27%2.79%+267 bps
Loan Growth (YoY)-0.76%0.61%3.32%2.25%3.45%4.80%3.08%1.00%-124 bps
Deposit Growth (YoY)0.69%-0.49%-0.73%-0.29%0.27%2.25%0.83%2.29%+258 bps
Asset Quality
Nonperforming Loans / Loans1.46%1.42%2.54%2.62%2.39%2.75%2.70%2.61%-1 bps
Net Charge-Offs / Loans0.01%0.02%0.03%0.04%0.04%0.05%0.02%-0.23%-27 bps
Allowance / Loans1.40%1.39%1.42%1.40%1.29%1.30%1.31%1.32%-8 bps
Allowance Coverage of NPLs1.0x1.0x0.6x0.5x0.5x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio12.24%12.52%12.74%12.74%13.27%13.40%13.67%13.31%+58 bps
Total Risk-Based Capital12.24%12.52%12.74%12.74%13.27%13.40%13.67%13.31%+58 bps
Equity / Assets11.61%11.10%11.07%11.11%12.42%12.87%12.77%12.81%+170 bps
Liquidity & Funding
Loans / Deposits57.42%59.06%57.99%59.08%59.23%60.53%59.29%58.34%-74 bps
Liquid Assets / Assets10.19%10.34%10.49%10.21%10.05%10.48%11.30%10.72%+51 bps
CRE / Total Capitaln/an/an/an/a203%213%208%n/an/a