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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

4.62%Q2 ’244.76%Q2 ’254.80%Q2 ’26+0%+4%

Non-interest income vs. expense

9.07%Q2 ’249.15%Q2 ’259.00%Q2 ’26+3%-6%

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 1.45%, up 19 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.45% of loans (-17 bps YoY), with net charge-offs at 0.83%.
  • 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 (quarter, annualized)

1.45%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.70%+13 bps YoY

Efficiency Ratio (quarter, annualized)

80.76%-197 bps YoY

Tier 1 Leverage Ratio

13.87%+29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.42%1.86%1.15%1.45%+19 bps
Return on Equity9.69%10.72%13.85%8.71%11.04%+135 bps
Net Interest Margin3.57%3.70%3.86%3.57%3.70%+13 bps
Efficiency Ratio82.73%81.02%76.85%83.49%80.76%-197 bps
Non-Interest Burden1.66%1.56%1.13%1.78%1.56%-11 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 / Loans0.33%0.88%0.48%0.39%0.83%+50 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