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First National Bank of Hooker, The

Hooker, OK · Cert 4123 · Hooker National Bancshares Inc.

National charter · OCC · 1 branch

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

80

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

42

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 of Hooker, The

Hooker, OK · Cert 4123 · Hooker National Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$91.2MAssets
$55.8MLoans
$76.1MDeposits
$14.5MEquity
Loan mix
80%RE $40.9M15%C&I $7.8M4%Consumer $2.2MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $58.5M23%Noninterest $17.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.36%, up 31 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 2.96% of loans (+91 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 16.33%, up 76 bps from a year ago.
  • Funding: loans stand at 73.29% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.36%+31 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+6 bps YoY

Efficiency Ratio (YTD, annualized)

65.51%+426 bps YoY

Tier 1 Leverage Ratio

16.33%+76 bps YoY

NIM

5.05%Q2 ’245.16%Q2 ’255.09%Q2 ’26+9%+2%

Non-interest income vs. expense

2.89%Q2 ’242.95%Q2 ’252.98%Q2 ’26-10%+17%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.14%1.37%1.05%1.27%1.28%1.41%1.36%+31 bps
Return on Equity8.52%8.28%9.57%7.25%8.66%8.60%9.01%8.66%+141 bps
Net Interest Margin3.76%3.77%3.98%4.01%3.98%3.99%4.07%4.07%+6 bps
Efficiency Ratio67.33%68.07%55.54%61.26%59.46%61.27%63.20%65.51%+426 bps
Non-Interest Burden2.36%2.40%1.70%2.14%1.99%2.08%2.37%2.50%+36 bps
Growth
Asset Growth (YoY)-4.12%-3.17%1.19%2.11%3.33%0.65%1.28%0.54%-157 bps
Loan Growth (YoY)-2.20%-2.04%-3.19%-3.51%0.68%0.07%-1.81%-2.24%+127 bps
Deposit Growth (YoY)1.70%-2.39%0.38%4.05%-5.48%-2.22%-0.24%-1.09%-515 bps
Asset Quality
Nonperforming Loans / Loans3.45%3.84%1.92%2.05%2.28%2.33%2.60%2.96%+91 bps
Net Charge-Offs / Loans0.06%0.05%1.12%0.94%0.68%0.57%0.02%0.01%-93 bps
Allowance / Loans1.28%1.30%1.33%1.31%1.27%1.30%1.37%1.35%+5 bps
Allowance Coverage of NPLs0.4x0.3x0.7x0.6x0.6x0.6x0.5x0.5x-0.2x
Capital
Tier 1 Leverage Ratio15.33%15.46%15.34%15.57%15.99%16.19%16.33%16.33%+76 bps
Total Risk-Based Capital22.88%23.45%24.53%24.12%24.19%25.17%27.08%16.33%-779 bps
Equity / Assets14.39%14.36%14.31%14.58%15.29%15.73%15.50%15.87%+129 bps
Liquidity & Funding
Loans / Deposits78.20%75.93%71.54%74.15%83.30%77.71%70.41%73.29%-86 bps
Liquid Assets / Assets0.09%1.49%6.01%0.58%0.10%0.08%8.11%5.15%+457 bps
CRE / Total Capitaln/an/an/an/a54.99%52.20%52.91%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 of Hooker, The

Hooker, OK · Cert 4123 · Peer group: banks under $1B in assets in OK (n=88-89) · Hooker National Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$91.2MAssets
$55.8MLoans
$76.1MDeposits
$14.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 91% of banks under $1B in assets in OK (rank 8 of 89).
  • Widest gap: nonperforming loans / loans trails 83% of banks under $1B in assets in OK (rank 74 of 88).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.36%

Rank 36 of 89

Net Interest Margin

4.07%

Rank 38 of 89

Efficiency Ratio

65.51%

Rank 53 of 89

Equity / Assets

15.87%

Rank 8 of 89

Non-interest income vs. expense

$0.5M$2.8MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 42% of banks under $1B in assets in OK
Bank 65.51%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.36%0.85%1.26%1.60%Beats 60%36 / 89
Return on Equity8.56%7.40%11.89%14.65%Beats 30%62 / 89
Net Interest Margin4.07%3.46%3.93%4.45%Beats 57%38 / 89
Efficiency Ratio65.51%54.70%60.95%71.14%Beats 42%53 / 89
Asset Quality
Nonperforming Loans / Loans2.96%0.30%0.82%2.25%Beats 17%74 / 88
Net Charge-Offs / Loans0.03%0.00%0.03%0.20%Beats 51%44 / 88
Capital
Tier 1 Capital Ratio16.33%10.89%13.00%16.33%Beats 74%23 / 89
Total Risk-Based Capital Ratio16.33%11.20%13.06%16.33%Beats 74%23 / 89
Equity / Assets15.87%9.26%10.94%13.52%Beats 91%8 / 89
Liquidity & Funding
Loans / Deposits73.29%61.51%72.27%84.01%51st pctl43 / 88
Loans / Assets61.21%52.51%63.15%71.27%44th pctl50 / 89
Brokered Deposits / Depositsn/aNot reported for this institution