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First National Bank of Lindsay, The

Lindsay, OK · Cert 4134

FDIC · 1 branch

Q3 2024

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: Q3 2024, the quarter ended September 30, 2024, 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=93 to 94). 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

23

Q2 2024Q3 2024peer median (50)

Asset Quality

2

Q2 2024Q3 2024peer median (50)

Profitability

2

Q2 2024Q3 2024peer median (50)

Liquidity

81

Q2 2024Q3 2024peer median

Efficiency

3

Q2 2024Q3 2024peer 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 Lindsay, The

Lindsay, OK · Cert 4134

FDIC · 1 branch

Q3 2024

$114.3MAssets
$66.0MLoans
$101.1MDeposits
$12.7MEquity
Loan mix
39%RE $22.0M51%C&I $28.5M10%Consumer $5.6MQ4 2022Q3 2024
Deposit mix
77%Interest-bearing $78.1M23%Noninterest $23.0MQ4 2022Q3 2024

Executive Summary

  • Earnings: ROA of -0.71%, down 238 bps year over year; NIM at 1.93%.
  • Asset quality: problem loans at 10.65% of loans (+848 bps YoY), with net charge-offs at 20.58%.
  • Capital: tier 1 leverage ratio of 9.96%, down 234 bps from a year ago.
  • Funding: loans stand at 65.29% of deposits as of Q3 2024.

Return on Assets (YTD, annualized)

-0.71%-238 bps YoY

Net Interest Margin (YTD, annualized)

1.93%-120 bps YoY

Efficiency Ratio (YTD, annualized)

126.59%+7,610 bps YoY

Tier 1 Leverage Ratio

9.96%-234 bps YoY

NIM

4.41%Q3 ’224.54%Q3 ’234.13%Q3 ’24-23%-38%

Non-interest income vs. expense

1.90%Q3 ’221.85%Q3 ’232.81%Q3 ’24-9%+91%

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets1.26%1.67%1.81%1.67%1.21%1.64%1.29%-0.71%-238 bps
Return on Equity10.81%14.81%15.97%14.60%10.78%15.90%12.95%-6.90%-2,150 bps
Net Interest Margin3.82%3.39%3.16%3.13%2.92%2.95%2.71%1.93%-120 bps
Efficiency Ratio50.39%50.44%48.35%50.49%59.01%44.09%54.00%126.59%+7,610 bps
Non-Interest Burden1.72%1.48%1.23%1.32%1.51%1.07%1.33%2.52%+120 bps
Growth
Asset Growth (YoY)7.91%13.47%16.12%10.25%8.35%13.43%11.24%17.16%+692 bps
Loan Growth (YoY)10.93%18.06%21.55%9.60%10.91%7.26%3.35%-10.88%-2,048 bps
Deposit Growth (YoY)8.06%13.95%16.87%10.48%9.15%15.20%14.06%17.84%+736 bps
Asset Quality
Nonperforming Loans / Loans2.34%2.24%2.15%2.16%1.69%1.78%2.04%10.65%+848 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.12%0.09%-0.03%-0.01%20.58%+2,046 bps
Allowance / Loans3.64%3.54%3.47%3.47%3.50%3.53%3.58%-11.25%-1,472 bps
Allowance Coverage of NPLs1.6x1.6x1.6x1.6x2.1x2.0x1.8x-1.1x-2.7x
Capital
Tier 1 Leverage Ratio12.43%11.75%11.91%12.30%10.67%10.99%9.48%9.96%-234 bps
Total Risk-Based Capital12.43%11.75%11.91%12.30%10.67%10.99%9.48%9.96%-234 bps
Equity / Assets11.15%11.35%11.56%11.71%10.47%10.13%9.25%11.14%-58 bps
Liquidity & Funding
Loans / Deposits84.48%86.79%87.41%86.33%85.85%80.80%79.20%65.29%-2,104 bps
Liquid Assets / Assets1.05%1.91%1.75%1.68%0.87%0.83%0.84%0.85%-83 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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 Lindsay, The

Lindsay, OK · Cert 4134 · Peer group: banks under $1B in assets in OK (n=93-94)

FDIC · 1 branch

Q3 2024

$114.3MAssets
$66.0MLoans
$101.1MDeposits
$12.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 50% of banks under $1B in assets in OK (rank 47 of 94).
  • Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in OK (rank 93 of 93).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-0.67%

Rank 91 of 94

Net Interest Margin

1.93%

Rank 93 of 94

Efficiency Ratio

126.59%

Rank 92 of 94

Equity / Assets

11.14%

Rank 47 of 94

Non-interest income vs. expense

$0.3M$3.2MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 3% of banks under $1B in assets in OK
Bank 126.59%Peer median 65.5%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.67%0.64%1.06%1.49%Beats 3%91 / 94
Return on Equity-5.99%5.91%9.48%13.78%Beats 3%91 / 94
Net Interest Margin1.93%3.07%3.69%4.52%Beats 1%93 / 94
Efficiency Ratio126.59%53.70%65.45%76.13%Beats 3%92 / 94
Asset Quality
Nonperforming Loans / Loans10.65%0.17%0.50%1.47%Beats 3%91 / 93
Net Charge-Offs / Loans15.43%0.02%0.04%0.19%Beats 1%93 / 93
Capital
Tier 1 Capital Ratio9.96%11.43%13.14%16.50%Beats 9%86 / 94
Total Risk-Based Capital Ratio9.96%11.58%13.89%17.44%Beats 9%86 / 94
Equity / Assets11.14%8.50%11.14%13.43%Beats 50%47 / 94
Liquidity & Funding
Loans / Deposits65.29%56.22%71.84%83.66%38th pctl58 / 93
Loans / Assets57.77%47.76%61.60%72.65%35th pctl60 / 93
Brokered Deposits / Depositsn/aNot reported for this institution