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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

$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 1.30%, up 59 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 2.96% of loans (+91 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.30%+59 bps YoY

Net Interest Margin (quarter, annualized)

4.13%+13 bps YoY

Efficiency Ratio (quarter, annualized)

67.84%-8 bps YoY

Tier 1 Leverage Ratio

16.33%+76 bps YoY

NIM

5.07%Q2 ’245.15%Q2 ’255.15%Q2 ’26+8%+3%

Non-interest income vs. expense

2.91%Q2 ’243.02%Q2 ’253.09%Q2 ’26+9%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.08%1.37%0.72%1.71%1.30%1.41%1.30%+59 bps
Return on Equity9.15%7.53%9.57%4.96%11.44%8.35%9.01%8.31%+334 bps
Net Interest Margin3.80%3.90%3.98%3.99%3.93%3.96%4.07%4.13%+13 bps
Efficiency Ratio64.05%70.20%55.54%67.91%56.07%66.70%63.20%67.84%-8 bps
Non-Interest Burden2.24%2.58%1.70%2.57%1.70%2.32%2.37%2.66%+10 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 / Loans0.01%0.01%1.12%0.79%0.22%0.19%0.02%0.00%-79 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