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Bank of Eufaula

Eufaula, OK · Cert 4094 · S N B Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$87.1MAssets
$23.2MLoans
$77.0MDeposits
$9.5MEquity
Loan mix
85%RE $19.2M6%C&I $1.3M8%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
62%Interest-bearing $47.4M38%Noninterest $29.6MQ2 2025Q2 2026

NIM

3.38%Q2 ’243.45%Q2 ’253.60%Q2 ’26+4%0%

Non-interest income vs. expense

2.73%Q2 ’243.35%Q2 ’253.59%Q2 ’26+18%+9%

Executive Summary

  • Earnings: ROA of -0.04%, down 13 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.46% of loans (-219 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.10%, up 198 bps from a year ago.
  • Funding: loans stand at 30.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.04%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.13%0 bps YoY

Efficiency Ratio (YTD, annualized)

101.23%+768 bps YoY

Tier 1 Leverage Ratio

12.10%+198 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.06%0.05%-0.06%-0.04%-13 bps
Return on Equity1.13%0.72%0.57%-0.57%-0.33%-146 bps
Net Interest Margin3.14%3.15%3.27%3.14%3.13%0 bps
Efficiency Ratio93.54%95.57%97.35%102.12%101.23%+768 bps
Non-Interest Burden2.91%2.99%3.17%3.21%3.18%+27 bps
Growth
Asset Growth (YoY)-5.83%-6.22%-10.20%-11.10%-9.03%-320 bps
Loan Growth (YoY)-21.21%-15.84%-14.49%-8.71%-2.50%+1,871 bps
Deposit Growth (YoY)-7.68%-8.89%-13.61%-13.97%-11.33%-365 bps
Asset Quality
Nonperforming Loans / Loans2.65%2.24%1.11%0.42%0.46%-219 bps
Net Charge-Offs / Loans0.66%0.66%0.55%-0.02%0.02%-65 bps
Allowance / Loans2.33%2.11%2.14%2.22%2.19%-14 bps
Allowance Coverage of NPLs0.9x0.9x1.9x5.2x4.8x+3.9x
Capital
Tier 1 Leverage Ratio10.11%11.19%11.89%12.24%12.10%+198 bps
Total Risk-Based Capital10.11%11.19%11.89%12.24%12.10%+198 bps
Equity / Assets8.70%10.58%10.67%11.38%10.94%+224 bps
Liquidity & Funding
Loans / Deposits27.45%28.94%28.14%30.47%30.19%+274 bps
Liquid Assets / Assets3.05%2.75%2.53%2.11%1.75%-130 bps
CRE / Total Capitaln/a57.38%65.79%65.99%n/an/a