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First National Bank & Trust, Elk City, Oklahoma

Elk City, OK · Cert 4086 · Western OK Finl Services Inc.

National charter · OCC · 3 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

83

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

First National Bank & Trust, Elk City, Oklahoma

Elk City, OK · Cert 4086 · Western OK Finl Services Inc.

National charter · OCC · 3 branches

Q2 2026

$294.0MAssets
$154.3MLoans
$265.0MDeposits
$28.6MEquity
Loan mix
72%RE $96.8M27%C&I $35.5M1%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $204.1M23%Noninterest $60.8MQ2 2025Q2 2026

NIM

5.44%Q2 ’245.33%Q2 ’255.06%Q2 ’26+3%+2%

Non-interest income vs. expense

1.88%Q2 ’241.92%Q2 ’252.00%Q2 ’26+8%+11%

Executive Summary

  • Earnings: ROA of 1.67%, down 4 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.56% of loans (-14 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 13.09%, up 56 bps from a year ago.
  • Funding: loans stand at 58.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.67%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+6 bps YoY

Efficiency Ratio (YTD, annualized)

49.90%+229 bps YoY

Tier 1 Leverage Ratio

13.09%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.78%1.73%1.64%1.67%-4 bps
Return on Equity22.47%22.37%20.89%17.25%17.36%-510 bps
Net Interest Margin3.55%3.59%3.70%3.62%3.60%+6 bps
Efficiency Ratio47.61%46.04%48.07%50.23%49.90%+229 bps
Non-Interest Burden1.44%1.35%1.49%1.63%1.61%+16 bps
Growth
Asset Growth (YoY)-3.66%-5.94%-5.61%-3.83%-2.09%+157 bps
Loan Growth (YoY)7.85%8.67%5.55%1.84%-2.82%-1,067 bps
Deposit Growth (YoY)-3.70%-6.17%-7.68%-5.62%-4.37%-67 bps
Asset Quality
Nonperforming Loans / Loans0.69%0.16%1.67%0.95%0.56%-14 bps
Net Charge-Offs / Loans0.00%0.01%0.01%-0.09%-0.05%-5 bps
Allowance / Loans1.84%1.83%1.87%1.91%1.99%+15 bps
Allowance Coverage of NPLs2.7x11.1x1.1x2.0x3.6x+0.9x
Capital
Tier 1 Leverage Ratio12.53%12.60%12.87%13.22%13.09%+56 bps
Total Risk-Based Capital12.53%12.60%12.87%13.22%13.09%+56 bps
Equity / Assets7.58%9.16%9.46%9.57%9.74%+217 bps
Liquidity & Funding
Loans / Deposits57.33%60.84%61.87%60.94%58.25%+93 bps
Liquid Assets / Assets6.82%5.60%5.42%6.71%9.30%+248 bps
CRE / Total Capitaln/a105.90%109.05%107.57%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

First National Bank & Trust, Elk City, Oklahoma

Elk City, OK · Cert 4086 · Peer group: banks under $1B in assets in OK (n=88-89) · Western OK Finl Services Inc.

National charter · OCC · 3 branches

Q2 2026

$294.0MAssets
$154.3MLoans
$265.0MDeposits
$28.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 87% of banks under $1B in assets in OK (rank 12 of 89).
  • Widest gap: equity / assets trails 71% of banks under $1B in assets in OK (rank 63 of 89).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.67%

Rank 18 of 89

Net Interest Margin

3.60%

Rank 63 of 89

Efficiency Ratio

50.02%

Rank 16 of 89

Equity / Assets

9.74%

Rank 63 of 89

Non-interest income vs. expense

$1.2M$6.2MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 83% of banks under $1B in assets in OK
Bank 50.02%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.67%0.85%1.26%1.60%Beats 80%18 / 89
Return on Equity17.10%7.40%11.89%14.65%Beats 87%12 / 89
Net Interest Margin3.60%3.46%3.93%4.45%Beats 29%63 / 89
Efficiency Ratio50.02%54.70%60.95%71.14%Beats 83%16 / 89
Asset Quality
Nonperforming Loans / Loans0.56%0.30%0.82%2.25%Beats 62%34 / 88
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 58%38 / 88
Capital
Tier 1 Capital Ratio13.09%10.89%13.00%16.33%Beats 54%41 / 89
Total Risk-Based Capital Ratio13.09%11.20%13.06%16.33%Beats 51%44 / 89
Equity / Assets9.74%9.26%10.94%13.52%Beats 29%63 / 89
Liquidity & Funding
Loans / Deposits58.25%61.51%72.27%84.01%23rd pctl68 / 88
Loans / Assets52.51%52.51%63.15%71.27%25th pctl67 / 89
Brokered Deposits / Depositsn/aNot reported for this institution