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Stock Exchange Bank, The

Woodward, OK · Cert 414

State charter, non-member · FDIC · 3 branches

Q2 2026

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: 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 in OK (n=87 to 88). 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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

85

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

Stock Exchange Bank, The

Woodward, OK · Cert 414

State charter, non-member · FDIC · 3 branches

Q2 2026

$309.7MAssets
$143.3MLoans
$252.7MDeposits
$54.4MEquity
Loan mix
70%RE $84.3M17%C&I $21.0M13%Consumer $15.1MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $196.3M22%Noninterest $56.3MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.66%Q2 ’254.61%Q2 ’26+4%+7%

Non-interest income vs. expense

2.09%Q2 ’242.14%Q2 ’252.00%Q2 ’26-2%-4%

Executive Summary

  • Earnings: ROA of 1.55%, up 38 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 1.18% of loans (+66 bps YoY), with net charge-offs at 0.41%.
  • Capital: tier 1 leverage ratio of 18.02%, up 50 bps from a year ago.
  • Funding: loans stand at 56.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.55%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+22 bps YoY

Efficiency Ratio (YTD, annualized)

49.59%-535 bps YoY

Tier 1 Leverage Ratio

18.02%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.16%1.13%1.89%1.55%+38 bps
Return on Equity7.18%6.97%6.69%10.68%8.78%+160 bps
Net Interest Margin3.24%3.40%3.52%3.60%3.46%+22 bps
Efficiency Ratio54.94%54.06%55.66%43.13%49.59%-535 bps
Non-Interest Burden1.49%1.55%1.67%1.21%1.43%-6 bps
Growth
Asset Growth (YoY)4.16%0.94%-0.41%0.26%1.34%-282 bps
Loan Growth (YoY)12.44%19.66%16.15%8.09%3.79%-865 bps
Deposit Growth (YoY)2.78%-0.26%-2.50%-1.19%0.28%-250 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.42%0.62%0.38%1.18%+66 bps
Net Charge-Offs / Loans0.66%0.51%0.47%0.82%0.41%-24 bps
Allowance / Loans1.73%1.85%2.02%1.94%1.95%+23 bps
Allowance Coverage of NPLs3.3x4.4x3.2x5.0x1.7x-1.7x
Capital
Tier 1 Leverage Ratio17.52%18.26%18.52%18.26%18.02%+50 bps
Total Risk-Based Capital17.52%18.26%18.52%18.26%18.02%+50 bps
Equity / Assets16.62%17.77%18.06%17.34%17.58%+96 bps
Liquidity & Funding
Loans / Deposits54.81%60.43%63.22%56.91%56.73%+192 bps
Liquid Assets / Assets4.59%4.80%4.92%4.45%4.48%-11 bps
CRE / Total Capitaln/a103.94%106.87%102.41%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

Stock Exchange Bank, The

Woodward, OK · Cert 414 · Peer group: banks under $1B in assets in OK (n=87-88)

State charter, non-member · FDIC · 3 branches

Q2 2026

$309.7MAssets
$143.3MLoans
$252.7MDeposits
$54.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 93% of banks under $1B in assets in OK (rank 6 of 88).
  • Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets in OK (rank 81 of 87).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.52%

Rank 26 of 88

Net Interest Margin

3.46%

Rank 67 of 88

Efficiency Ratio

49.59%

Rank 14 of 88

Equity / Assets

17.58%

Rank 6 of 88

Non-interest income vs. expense

$1.8M$6.3MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 85% of banks under $1B in assets in OK
Bank 49.59%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.52%0.85%1.26%1.62%Beats 70%26 / 88
Return on Equity8.63%7.40%11.89%14.66%Beats 34%58 / 88
Net Interest Margin3.46%3.51%3.93%4.47%Beats 24%67 / 88
Efficiency Ratio49.59%54.70%61.50%71.28%Beats 85%14 / 88
Asset Quality
Nonperforming Loans / Loans1.18%0.30%0.82%2.25%Beats 45%49 / 87
Net Charge-Offs / Loans0.78%0.00%0.03%0.20%Beats 8%81 / 87
Capital
Tier 1 Capital Ratio18.02%10.89%13.04%16.40%Beats 83%15 / 88
Total Risk-Based Capital Ratio18.02%11.20%13.09%16.43%Beats 82%16 / 88
Equity / Assets17.58%9.26%10.95%13.63%Beats 93%6 / 88
Liquidity & Funding
Loans / Deposits56.73%60.39%72.27%84.01%22nd pctl68 / 87
Loans / Assets46.29%52.51%63.37%71.46%23rd pctl68 / 88
Brokered Deposits / Depositsn/aNot reported for this institution