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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 $1.7MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $132.4M24%Noninterest $41.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.12%, up 8 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.61% of loans (-33 bps YoY), with net recoveries of 0.12%.
  • 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.

Return on Assets (quarter, annualized)

1.12%+8 bps YoY

Net Interest Margin (quarter, annualized)

2.72%+12 bps YoY

Efficiency Ratio (quarter, annualized)

51.48%-314 bps YoY

Tier 1 Leverage Ratio

14.05%-6 bps YoY

NIM

4.27%Q2 ’244.37%Q2 ’254.37%Q2 ’26-2%+4%

Non-interest income vs. expense

1.85%Q2 ’241.58%Q2 ’251.53%Q2 ’26-14%-1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.85%0.91%1.03%0.88%0.85%1.11%1.12%+8 bps
Return on Equity6.34%6.88%7.66%8.16%6.53%6.42%8.71%8.63%+48 bps
Net Interest Margin2.43%2.47%2.46%2.61%2.64%2.70%2.77%2.72%+12 bps
Efficiency Ratio61.76%59.68%56.59%54.62%61.83%61.48%51.44%51.48%-314 bps
Non-Interest Burden1.39%1.35%1.25%1.30%1.53%1.54%1.27%1.28%-2 bps
Growth
Asset Growth (YoY)1.01%5.31%5.07%2.86%1.03%1.90%3.03%4.63%+177 bps
Loan Growth (YoY)-0.65%-6.68%-2.92%-3.38%2.59%5.90%-0.50%-3.00%+38 bps
Deposit Growth (YoY)-1.41%5.39%4.50%2.06%0.48%0.66%2.57%4.76%+270 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.67%0.56%0.94%0.72%0.07%0.23%0.61%-33 bps
Net Charge-Offs / Loans-0.01%-0.03%-0.02%-0.01%-0.10%0.63%-0.14%-0.12%-10 bps
Allowance / Loans2.51%2.52%2.40%2.52%2.49%2.28%2.36%2.59%+7 bps
Allowance Coverage of NPLs4.1x3.8x4.3x2.7x3.4x30.8x10.1x4.2x+1.6x
Capital
Tier 1 Leverage Ratio14.40%14.53%14.14%14.11%14.56%14.68%14.27%14.05%-6 bps
Total Risk-Based Capital38.52%39.12%38.14%39.69%40.23%38.58%39.89%41.82%+213 bps
Equity / Assets13.37%11.40%12.38%12.98%13.95%12.57%12.89%12.97%-1 bps
Liquidity & Funding
Loans / Deposits45.43%39.96%43.90%43.20%46.38%42.04%42.59%40.00%-320 bps
Liquid Assets / Assets21.27%27.11%23.33%22.11%17.60%25.24%20.91%15.58%-653 bps
CRE / Total Capitaln/an/an/an/a54.01%55.34%55.82%n/an/a