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Bank, National Association, The

McAlester, OK · Cert 4146 · NBM Corp.

National charter · OCC · 6 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=88 to 89). 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

48

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

Bank, National Association, The

McAlester, OK · Cert 4146 · NBM Corp.

National charter · OCC · 6 branches

Q2 2026

$488.1MAssets
$331.1MLoans
$442.8MDeposits
$43.4MEquity
Loan mix
92%RE $268.5M5%C&I $13.9M3%Consumer $9.5MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $407.0M8%Noninterest $35.8MQ3 2024Q2 2026

Market Position · Tulsa, OK · 2026 SOD (annual) · 0.0% share · #57 of 59 inst. · $0.0B of $39.3B

31.2% Pittsburg
3.6% Payne
0.0% Tulsa

Executive Summary

  • Earnings: ROA of 1.27%, up 8 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 1.30% of loans (+54 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.85%, down 24 bps from a year ago.
  • Funding: loans stand at 74.78% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.27%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.01%+44 bps YoY

Efficiency Ratio (YTD, annualized)

61.95%-264 bps YoY

Tier 1 Leverage Ratio

10.85%-24 bps YoY

NIM

5.02%Q2 ’245.07%Q2 ’255.31%Q2 ’26+4%+12%

Non-interest income vs. expense

2.69%Q2 ’242.78%Q2 ’252.91%Q2 ’26+4%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%0.93%0.96%1.19%1.24%1.07%1.04%1.27%+8 bps
Return on Equity12.82%11.45%12.14%14.69%14.84%12.79%12.20%14.65%-4 bps
Net Interest Margin3.52%3.54%3.44%3.57%3.68%3.72%3.91%4.01%+44 bps
Efficiency Ratio65.98%70.01%69.83%64.59%63.87%67.40%63.44%61.95%-264 bps
Non-Interest Burden2.05%2.24%2.19%2.05%2.08%2.26%2.23%2.22%+18 bps
Growth
Asset Growth (YoY)-3.53%-1.53%0.81%1.67%3.94%4.51%5.19%7.90%+623 bps
Loan Growth (YoY)-1.63%-4.56%-1.32%6.25%9.18%14.94%18.31%26.14%+1,990 bps
Deposit Growth (YoY)-2.73%-1.87%0.98%1.47%3.42%3.95%4.53%7.25%+579 bps
Asset Quality
Nonperforming Loans / Loans1.02%0.91%0.76%0.76%1.05%0.85%1.57%1.30%+54 bps
Net Charge-Offs / Loans0.04%0.04%0.04%0.02%0.03%0.04%0.02%0.01%-1 bps
Allowance / Loans1.44%1.44%1.41%1.33%1.32%1.36%1.43%1.27%-6 bps
Allowance Coverage of NPLs1.4x1.6x1.9x1.8x1.3x1.6x0.9x1.0x-0.8x
Capital
Tier 1 Leverage Ratio11.22%10.90%10.79%11.09%11.49%10.93%10.68%10.85%-24 bps
Total Risk-Based Capital11.22%10.90%10.79%11.09%11.49%10.93%10.68%10.85%-24 bps
Equity / Assets9.00%7.92%7.95%8.37%9.24%8.46%8.66%8.89%+52 bps
Liquidity & Funding
Loans / Deposits61.37%58.15%59.19%63.58%64.79%64.30%66.99%74.78%+1,120 bps
Liquid Assets / Assets15.45%14.25%13.78%13.48%13.02%11.98%11.48%10.98%-250 bps
CRE / Total Capitaln/an/an/an/a247%272%293%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

Bank, National Association, The

McAlester, OK · Cert 4146 · Peer group: banks under $1B in assets in OK (n=88-89) · NBM Corp.

National charter · OCC · 6 branches

Q2 2026

$488.1MAssets
$331.1MLoans
$442.8MDeposits
$43.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 71% of banks under $1B in assets in OK (rank 26 of 89).
  • Widest gap: equity / assets trails 81% of banks under $1B in assets in OK (rank 72 of 89).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.26%

Rank 46 of 89

Net Interest Margin

4.01%

Rank 40 of 89

Efficiency Ratio

61.95%

Rank 47 of 89

Equity / Assets

8.89%

Rank 72 of 89

Non-interest income vs. expense

$3.3M$14.1MINCOMEEXPENSE
Unfavorable gap of $10.8M · efficiency ratio beats 48% of banks under $1B in assets in OK
Bank 61.95%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.26%0.85%1.26%1.60%Beats 48%46 / 89
Return on Equity14.12%7.40%11.89%14.65%Beats 71%26 / 89
Net Interest Margin4.01%3.46%3.93%4.45%Beats 55%40 / 89
Efficiency Ratio61.95%54.70%60.95%71.14%Beats 48%47 / 89
Asset Quality
Nonperforming Loans / Loans1.30%0.30%0.82%2.25%Beats 41%53 / 88
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 67%30 / 88
Capital
Tier 1 Capital Ratio10.85%10.89%13.00%16.33%Beats 22%69 / 89
Total Risk-Based Capital Ratio10.85%11.20%13.06%16.33%Beats 20%71 / 89
Equity / Assets8.89%9.26%10.94%13.52%Beats 19%72 / 89
Liquidity & Funding
Loans / Deposits74.78%61.51%72.27%84.01%53rd pctl41 / 88
Loans / Assets67.84%52.51%63.15%71.27%62nd pctl34 / 89
Brokered Deposits / Depositsn/aNot reported for this institution