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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

$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