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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 1.88%, up 34 bps year over year; NIM at 6.29%.
  • Asset quality: problem loans at 0.27% of loans (-4 bps YoY), with net recoveries of 0.09%.
  • 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 (quarter, annualized)

1.88%+34 bps YoY

Net Interest Margin (quarter, annualized)

6.29%+57 bps YoY

Efficiency Ratio (quarter, annualized)

63.95%-305 bps YoY

Tier 1 Leverage Ratio

9.89%-25 bps YoY

NIM

6.79%Q2 ’247.05%Q2 ’257.52%Q2 ’26+7%+10%

Non-interest income vs. expense

4.32%Q2 ’244.38%Q2 ’254.51%Q2 ’26+3%+5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%1.68%1.77%1.54%1.36%1.54%1.61%1.88%+34 bps
Return on Equity17.38%17.64%18.71%15.76%13.50%15.71%16.86%19.96%+420 bps
Net Interest Margin5.75%5.96%5.51%5.72%5.70%5.98%5.85%6.29%+57 bps
Efficiency Ratio65.96%66.59%65.10%67.01%69.17%68.31%68.08%63.95%-305 bps
Non-Interest Burden3.51%3.67%3.18%3.56%3.79%3.81%3.72%3.75%+19 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 / Loans0.06%0.09%-0.02%0.35%0.00%-0.02%-0.03%-0.09%-44 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