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Oklahoma Bank and Trust Company

Clinton, OK · Cert 4067 · Oklahoma Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

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 under $1B in assets in OK (n=88 to 89). 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

87

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

80

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

Oklahoma Bank and Trust Company

Clinton, OK · Cert 4067 · Oklahoma Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$202.3MAssets
$69.6MLoans
$173.9MDeposits
$26.2MEquity
Loan mix
84%RE $48.0M13%C&I $7.7M3%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $132.4M24%Noninterest $41.5MQ2 2025Q2 2026

NIM

4.25%Q2 ’244.31%Q2 ’254.30%Q2 ’26-6%+8%

Non-interest income vs. expense

1.77%Q2 ’241.56%Q2 ’251.54%Q2 ’26-11%-1%

Executive Summary

  • Earnings: ROA of 1.11%, up 14 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.61% of loans (-33 bps YoY), with net recoveries of 0.14%.
  • Capital: tier 1 leverage ratio of 14.05%, down 6 bps from a year ago.
  • Funding: loans stand at 40.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.71%+19 bps YoY

Efficiency Ratio (YTD, annualized)

51.46%-412 bps YoY

Tier 1 Leverage Ratio

14.05%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.94%0.91%1.11%1.11%+14 bps
Return on Equity7.93%7.44%7.21%8.71%8.67%+75 bps
Net Interest Margin2.51%2.60%2.64%2.77%2.71%+19 bps
Efficiency Ratio55.58%57.67%58.65%51.44%51.46%-412 bps
Non-Interest Burden1.26%1.37%1.42%1.27%1.25%-1 bps
Growth
Asset Growth (YoY)2.86%1.03%1.90%3.03%4.63%+177 bps
Loan Growth (YoY)-3.38%2.59%5.90%-0.50%-3.00%+38 bps
Deposit Growth (YoY)2.06%0.48%0.66%2.57%4.76%+270 bps
Asset Quality
Nonperforming Loans / Loans0.94%0.72%0.07%0.23%0.61%-33 bps
Net Charge-Offs / Loans-0.01%-0.04%0.13%-0.14%-0.14%-12 bps
Allowance / Loans2.52%2.49%2.28%2.36%2.59%+7 bps
Allowance Coverage of NPLs2.7x3.4x30.8x10.1x4.2x+1.6x
Capital
Tier 1 Leverage Ratio14.11%14.56%14.68%14.27%14.05%-6 bps
Total Risk-Based Capital39.69%40.23%38.58%39.89%41.82%+213 bps
Equity / Assets12.98%13.95%12.57%12.89%12.97%-1 bps
Liquidity & Funding
Loans / Deposits43.20%46.38%42.04%42.59%40.00%-320 bps
Liquid Assets / Assets22.11%17.60%25.24%20.91%15.58%-653 bps
CRE / Total Capitaln/a54.01%55.34%55.82%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

Oklahoma Bank and Trust Company

Clinton, OK · Cert 4067 · Peer group: banks under $1B in assets in OK (n=88-89) · Oklahoma Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$202.3MAssets
$69.6MLoans
$173.9MDeposits
$26.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets in OK (rank 87 of 89).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.13%

Rank 55 of 89

Net Interest Margin

2.71%

Rank 87 of 89

Efficiency Ratio

51.46%

Rank 19 of 89

Equity / Assets

12.97%

Rank 27 of 89

Non-interest income vs. expense

$0.6M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 80% of banks under $1B in assets in OK
Bank 51.46%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.85%1.26%1.60%Beats 38%55 / 89
Return on Equity8.69%7.40%11.89%14.65%Beats 35%58 / 89
Net Interest Margin2.71%3.46%3.93%4.45%Beats 2%87 / 89
Efficiency Ratio51.46%54.70%60.95%71.14%Beats 80%19 / 89
Asset Quality
Nonperforming Loans / Loans0.61%0.30%0.82%2.25%Beats 59%37 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio40.55%10.89%13.00%16.33%Beats 96%4 / 89
Total Risk-Based Capital Ratio41.82%11.20%13.06%16.33%Beats 96%4 / 89
Equity / Assets12.97%9.26%10.94%13.52%Beats 70%27 / 89
Liquidity & Funding
Loans / Deposits40.00%61.51%72.27%84.01%13th pctl77 / 88
Loans / Assets34.39%52.51%63.15%71.27%13th pctl77 / 89
Brokered Deposits / Depositsn/aNot reported for this institution