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City National Bank and Trust Company of Lawton, Oklahoma, The

Lawton, OK · Cert 4132 · JRMB II Inc.

National charter · OCC · 39 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

55

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

21

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

City National Bank and Trust Company of Lawton, Oklahoma, The

Lawton, OK · Cert 4132 · JRMB II Inc.

National charter · OCC · 1 affiliate bank · 39 branches (107 in holding)

Q2 2026

$446.2MAssets
$301.8MLoans
$373.9MDeposits
$58.9MEquity
Loan mix
94%RE $272.9M4%C&I $11.1M2%Consumer $6.5MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $285.0M24%Noninterest $88.9MQ2 2025Q2 2026

NIM

4.53%Q2 ’244.68%Q2 ’254.68%Q2 ’26-2%+3%

Non-interest income vs. expense

9.17%Q2 ’249.11%Q2 ’258.94%Q2 ’26+1%-8%

Market Position · Lawton, OK · 2026 SOD (annual) · 10.7% share · #4 of 12 inst. · $0.2B of $2.3B

11.0% Comanche
0.1% Tulsa
0.1% Oklahoma
0.3% Canadian

Executive Summary

  • Earnings: ROA of 1.30%, up 18 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.45% of loans (-17 bps YoY), with net charge-offs at 0.61%.
  • Capital: tier 1 leverage ratio of 13.87%, up 29 bps from a year ago.
  • Funding: loans stand at 80.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+11 bps YoY

Efficiency Ratio (YTD, annualized)

82.09%-225 bps YoY

Tier 1 Leverage Ratio

13.87%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.22%1.39%1.15%1.30%+18 bps
Return on Equity8.52%9.24%10.46%8.71%9.86%+134 bps
Net Interest Margin3.50%3.54%3.65%3.57%3.60%+11 bps
Efficiency Ratio84.34%83.20%81.53%83.49%82.09%-225 bps
Non-Interest Burden1.80%1.71%1.58%1.78%1.65%-15 bps
Growth
Asset Growth (YoY)1.68%0.70%1.52%-0.35%-0.50%-218 bps
Loan Growth (YoY)-3.96%-4.89%-4.99%-5.54%-3.82%+14 bps
Deposit Growth (YoY)0.94%0.43%5.27%0.43%0.17%-77 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.57%0.60%0.85%0.45%-17 bps
Net Charge-Offs / Loans0.30%0.50%0.50%0.39%0.61%+31 bps
Allowance / Loans2.04%1.97%2.00%2.03%1.90%-13 bps
Allowance Coverage of NPLs3.3x3.5x3.3x2.4x4.2x+1.0x
Capital
Tier 1 Leverage Ratio13.58%13.57%13.90%13.99%13.87%+29 bps
Total Risk-Based Capital13.58%13.57%13.90%13.99%13.87%+29 bps
Equity / Assets12.97%13.49%13.35%13.01%13.20%+22 bps
Liquidity & Funding
Loans / Deposits84.07%83.06%83.74%80.59%80.72%-335 bps
Liquid Assets / Assets7.88%8.77%8.68%10.14%8.85%+97 bps
CRE / Total Capitaln/a320%320%318%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

City National Bank and Trust Company of Lawton, Oklahoma, The

Lawton, OK · Cert 4132 · Peer group: banks under $1B in assets (n=581-629) · JRMB II Inc.

National charter · OCC · 1 affiliate bank · 39 branches (107 in holding)

Q2 2026

$446.2MAssets
$301.8MLoans
$373.9MDeposits
$58.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 71% of banks under $1B in assets (rank 181 of 629).
  • Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets (rank 560 of 581).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.29%

Rank 208 of 629

Net Interest Margin

3.60%

Rank 288 of 629

Efficiency Ratio

82.09%

Rank 496 of 629

Equity / Assets

13.20%

Rank 181 of 629

Non-interest income vs. expense

$32.3M$39.6MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 21% of banks under $1B in assets
Bank 82.09%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.60%1.01%1.45%Beats 67%208 / 629
Return on Equity9.76%5.38%9.30%13.28%Beats 53%296 / 629
Net Interest Margin3.60%3.03%3.54%4.05%Beats 54%288 / 629
Efficiency Ratio82.09%58.35%67.79%79.08%Beats 21%496 / 629
Asset Quality
Nonperforming Loans / Loans0.45%0.09%0.46%1.20%Beats 50%289 / 581
Net Charge-Offs / Loans0.44%n/a0.01%0.06%Beats 4%560 / 581
Capital
Tier 1 Capital Ratio13.87%11.24%13.84%18.77%Beats 50%314 / 629
Total Risk-Based Capital Ratio13.87%11.58%14.43%19.66%Beats 45%347 / 629
Equity / Assets13.20%9.09%10.65%13.80%Beats 71%181 / 629
Liquidity & Funding
Loans / Deposits80.72%67.24%80.90%93.48%50th pctl298 / 594
Loans / Assets67.64%53.31%67.71%78.15%50th pctl317 / 629
Brokered Deposits / Depositsn/aNot reported for this institution