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Letter portraitLegal landscapeQuarterYTD

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