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First National Bank

Heavener, OK · Cert 4111 · Sooner SW Bankshares 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

13

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

38

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

Heavener, OK · Cert 4111 · Sooner SW Bankshares Inc.

National charter · OCC · 3 affiliate banks · 3 branches (10 in holding)

Q2 2026

$112.8MAssets
$82.2MLoans
$91.7MDeposits
$10.5MEquity
Loan mix
90%RE $62.7M6%C&I $4.0M4%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
65%Interest-bearing $59.2M35%Noninterest $32.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.74%, up 8 bps year over year; NIM at 6.00%.
  • Asset quality: problem loans at 0.27% of loans (-4 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 9.89%, down 25 bps from a year ago.
  • Funding: loans stand at 89.62% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.74%+8 bps YoY

Net Interest Margin (YTD, annualized)

6.00%+38 bps YoY

Efficiency Ratio (YTD, annualized)

65.94%-11 bps YoY

Tier 1 Leverage Ratio

9.89%-25 bps YoY

NIM

6.58%Q2 ’246.96%Q2 ’257.24%Q2 ’26+8%+7%

Non-interest income vs. expense

4.34%Q2 ’244.36%Q2 ’254.48%Q2 ’26-3%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.48%1.77%1.66%1.56%1.56%1.61%1.74%+8 bps
Return on Equity15.05%15.82%18.71%17.21%15.93%16.06%16.86%18.43%+122 bps
Net Interest Margin5.34%5.44%5.51%5.62%5.57%5.67%5.85%6.00%+38 bps
Efficiency Ratio69.44%68.66%65.10%66.04%67.05%67.39%68.08%65.94%-11 bps
Non-Interest Burden3.44%3.47%3.18%3.38%3.47%3.55%3.72%3.69%+31 bps
Growth
Asset Growth (YoY)7.10%8.62%4.10%4.05%4.49%-0.22%0.10%9.59%+555 bps
Loan Growth (YoY)0.22%0.28%-8.03%-5.88%-7.56%-0.36%5.43%16.60%+2,248 bps
Deposit Growth (YoY)4.89%8.44%3.22%3.66%4.32%-1.88%2.64%1.87%-179 bps
Asset Quality
Nonperforming Loans / Loans1.19%0.83%0.14%0.31%1.20%0.86%0.26%0.27%-4 bps
Net Charge-Offs / Loans0.04%0.05%-0.02%0.17%0.11%0.08%-0.03%-0.06%-23 bps
Allowance / Loans1.13%1.19%1.30%1.19%1.21%1.15%1.17%1.07%-12 bps
Allowance Coverage of NPLs1.0x1.4x9.6x3.9x1.0x1.3x4.4x3.9x+0.1x
Capital
Tier 1 Leverage Ratio9.81%9.37%9.74%10.13%10.29%9.21%9.65%9.89%-25 bps
Total Risk-Based Capital16.05%16.04%17.65%17.75%18.06%15.59%15.89%9.89%-786 bps
Equity / Assets9.74%9.31%9.57%10.03%10.13%9.46%9.61%9.26%-77 bps
Liquidity & Funding
Loans / Deposits85.16%82.20%76.14%78.30%75.46%83.48%78.21%89.62%+1,132 bps
Liquid Assets / Assets6.67%10.13%16.62%13.19%14.08%6.96%8.91%8.88%-431 bps
CRE / Total Capitaln/an/an/an/a168.51%196.88%206%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

Heavener, OK · Cert 4111 · Peer group: banks under $1B in assets in OK (n=88-89) · Sooner SW Bankshares Inc.

National charter · OCC · 3 affiliate banks · 3 branches (10 in holding)

Q2 2026

$112.8MAssets
$82.2MLoans
$91.7MDeposits
$10.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 99% of banks under $1B in assets in OK (rank 1 of 89).
  • Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in OK (rank 83 of 89).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.64%

Rank 20 of 89

Net Interest Margin

6.00%

Rank 1 of 89

Efficiency Ratio

65.94%

Rank 56 of 89

Equity / Assets

9.26%

Rank 67 of 89

Non-interest income vs. expense

$0.8M$4.8MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 38% of banks under $1B in assets in OK
Bank 65.94%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.64%0.85%1.26%1.60%Beats 78%20 / 89
Return on Equity17.66%7.40%11.89%14.65%Beats 88%11 / 89
Net Interest Margin6.00%3.46%3.93%4.45%Beats 99%1 / 89
Efficiency Ratio65.94%54.70%60.95%71.14%Beats 38%56 / 89
Asset Quality
Nonperforming Loans / Loans0.27%0.30%0.82%2.25%Beats 77%21 / 88
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 72%26 / 88
Capital
Tier 1 Capital Ratio9.89%10.89%13.00%16.33%Beats 8%82 / 89
Total Risk-Based Capital Ratio9.89%11.20%13.06%16.33%Beats 7%83 / 89
Equity / Assets9.26%9.26%10.94%13.52%Beats 25%67 / 89
Liquidity & Funding
Loans / Deposits89.62%61.51%72.27%84.01%86th pctl12 / 88
Loans / Assets72.87%52.51%63.15%71.27%76th pctl21 / 89
Brokered Deposits / Depositsn/aNot reported for this institution