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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

$294.0MAssets
$154.3MLoans
$265.0MDeposits
$28.6MEquity
Loan mix
72%RE $96.8M27%C&I $35.5M1%Consumer $1.5MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $204.1M23%Noninterest $60.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.74%1.67%1.70%1.71%1.78%1.73%1.64%1.67%-4 bps
Return on Equity22.35%21.74%22.35%22.47%22.37%20.89%17.25%17.36%-510 bps
Net Interest Margin3.44%3.42%3.41%3.55%3.59%3.70%3.62%3.60%+6 bps
Efficiency Ratio46.92%48.19%47.43%47.61%46.04%48.07%50.23%49.90%+229 bps
Non-Interest Burden1.29%1.37%1.36%1.44%1.35%1.49%1.63%1.61%+16 bps
Growth
Asset Growth (YoY)1.40%-0.29%-3.17%-3.66%-5.94%-5.61%-3.83%-2.09%+157 bps
Loan Growth (YoY)1.99%7.59%8.56%7.85%8.67%5.55%1.84%-2.82%-1,067 bps
Deposit Growth (YoY)-2.14%-0.11%-3.94%-3.70%-6.17%-7.68%-5.62%-4.37%-67 bps
Asset Quality
Nonperforming Loans / Loans0.88%0.87%0.62%0.69%0.16%1.67%0.95%0.56%-14 bps
Net Charge-Offs / Loans0.00%0.03%-0.02%0.00%0.01%0.01%-0.09%-0.05%-5 bps
Allowance / Loans1.89%1.84%1.84%1.84%1.83%1.87%1.91%1.99%+15 bps
Allowance Coverage of NPLs2.2x2.1x3.0x2.7x11.1x1.1x2.0x3.6x+0.9x
Capital
Tier 1 Leverage Ratio12.23%12.03%12.13%12.53%12.60%12.87%13.22%13.09%+56 bps
Total Risk-Based Capital12.23%12.03%12.13%12.53%12.60%12.87%13.22%13.09%+56 bps
Equity / Assets8.91%7.36%7.84%7.58%9.16%9.46%9.57%9.74%+217 bps
Liquidity & Funding
Loans / Deposits52.53%54.11%56.48%57.33%60.84%61.87%60.94%58.25%+93 bps
Liquid Assets / Assets5.86%5.69%3.89%6.82%5.60%5.42%6.71%9.30%+248 bps
CRE / Total Capitaln/an/an/an/a105.90%109.05%107.57%n/an/a