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Southwest Bank of Weatherford

Weatherford, OK · Cert 4076 · Southwest Capital L L C

State charter, Fed member · FED · 1 branch

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=87 to 88). 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

56

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 2026-10-10

Southwest Bank of Weatherford

Weatherford, OK · Cert 4076 · Southwest Capital L L C

State charter, Fed member · FED · 1 branch

Q2 2026

$86.0MAssets
$46.7MLoans
$75.0MDeposits
$10.9MEquity
Loan mix
85%RE $36.9M7%C&I $3.0M8%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $51.8M31%Noninterest $23.2MQ2 2025Q2 2026

NIM

5.68%Q2 ’245.59%Q2 ’255.35%Q2 ’26-4%-5%

Non-interest income vs. expense

2.87%Q2 ’242.82%Q2 ’252.49%Q2 ’26-3%-12%

Executive Summary

  • Earnings: ROA of 1.36%, up 9 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 2.47% of loans (+6 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 13.52%, down 94 bps from a year ago.
  • Funding: loans stand at 62.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.36%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.86%-21 bps YoY

Efficiency Ratio (YTD, annualized)

58.13%-407 bps YoY

Tier 1 Leverage Ratio

13.52%-94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.16%1.13%1.36%1.36%+9 bps
Return on Equity9.21%8.39%8.12%10.09%10.32%+111 bps
Net Interest Margin4.07%4.07%4.05%3.96%3.86%-21 bps
Efficiency Ratio62.20%64.17%64.41%57.94%58.13%-407 bps
Non-Interest Burden2.35%2.45%2.46%2.13%2.07%-29 bps
Growth
Asset Growth (YoY)0.60%2.84%3.40%5.15%10.38%+978 bps
Loan Growth (YoY)5.39%9.33%10.99%7.76%-2.34%-773 bps
Deposit Growth (YoY)0.27%3.07%3.95%5.56%11.87%+1,159 bps
Asset Quality
Nonperforming Loans / Loans2.41%3.71%2.09%2.33%2.47%+6 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%0.02%+3 bps
Allowance / Loans1.65%1.63%1.66%1.64%1.75%+10 bps
Allowance Coverage of NPLs0.7x0.4x0.8x0.7x0.7x0.0x
Capital
Tier 1 Leverage Ratio14.47%14.46%14.67%13.85%13.52%-94 bps
Total Risk-Based Capital26.08%26.07%26.38%25.19%26.99%+91 bps
Equity / Assets13.70%13.81%14.20%12.82%12.71%-98 bps
Liquidity & Funding
Loans / Deposits71.29%72.52%73.36%69.42%62.23%-906 bps
Liquid Assets / Assets17.91%21.57%22.09%23.31%26.58%+866 bps
CRE / Total Capitaln/a176.90%173.31%175.13%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 2026-10-10

Southwest Bank of Weatherford

Weatherford, OK · Cert 4076 · Peer group: banks under $1B in assets in OK (n=87-88) · Southwest Capital L L C

State charter, Fed member · FED · 1 branch

Q2 2026

$86.0MAssets
$46.7MLoans
$75.0MDeposits
$10.9MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 93% of banks under $1B in assets in OK (rank 6 of 88).
  • Widest gap: nonperforming loans / loans trails 79% of banks under $1B in assets in OK (rank 70 of 87).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.31%

Rank 39 of 88

Net Interest Margin

3.86%

Rank 48 of 88

Efficiency Ratio

58.13%

Rank 40 of 88

Equity / Assets

12.71%

Rank 29 of 88

Non-interest income vs. expense

$0.4M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 56% of banks under $1B in assets in OK
Bank 58.13%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.85%1.26%1.62%Beats 56%39 / 88
Return on Equity10.30%7.40%11.89%14.66%Beats 44%49 / 88
Net Interest Margin3.86%3.51%3.93%4.47%Beats 45%48 / 88
Efficiency Ratio58.13%54.70%61.50%71.28%Beats 56%40 / 88
Asset Quality
Nonperforming Loans / Loans2.47%0.30%0.82%2.25%Beats 21%70 / 87
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 63%33 / 87
Capital
Tier 1 Capital Ratio25.73%10.89%13.04%16.40%Beats 93%6 / 88
Total Risk-Based Capital Ratio26.99%11.20%13.09%16.43%Beats 93%6 / 88
Equity / Assets12.71%9.26%10.95%13.63%Beats 67%29 / 88
Liquidity & Funding
Loans / Deposits62.23%60.39%72.27%84.01%28th pctl63 / 87
Loans / Assets54.25%52.51%63.37%71.46%30th pctl62 / 88
Brokered Deposits / Depositsn/aNot reported for this institution