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First National Bank in Okeene

Okeene, OK · Cert 4161

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

93

Q2 2024Q3 2024peer median (50)

Asset Quality

89

Q2 2024Q3 2024peer median (50)

Profitability

28

Q2 2024Q3 2024peer median (50)

Liquidity

68

Q2 2024Q3 2024peer median

Efficiency

67

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 in Okeene

Okeene, OK · Cert 4161

FDIC · 1 branch

Q3 2024

$84.2MAssets
$37.1MLoans
$61.3MDeposits
$14.3MEquity
Loan mix
50%RE $6.0M50%C&I $6.0M1%Consumer $0.1MQ3 2023Q3 2024
Deposit mix
84%Interest-bearing $51.4M16%Noninterest $9.9MQ3 2023Q3 2024

NIM

3.41%Q3 ’224.93%Q3 ’235.55%Q3 ’24+8%-14%

Non-interest income vs. expense

1.87%Q3 ’222.13%Q3 ’231.82%Q3 ’24+9%-12%

Executive Summary

  • Earnings: ROA of 0.98%, down 54 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.10% of loans (+10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.59%, down 66 bps from a year ago.
  • Funding: loans stand at 60.45% of deposits as of Q3 2024.

Financial Results

Return on Assets (YTD, annualized)

0.98%-54 bps YoY

Net Interest Margin (YTD, annualized)

2.92%-49 bps YoY

Efficiency Ratio (YTD, annualized)

58.89%+87 bps YoY

Tier 1 Leverage Ratio

18.59%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets1.51%1.29%1.30%1.17%0.98%-54 bps
Return on Equity9.22%8.04%8.46%7.39%6.05%-316 bps
Net Interest Margin3.40%3.51%3.09%2.98%2.92%-49 bps
Efficiency Ratio58.02%59.51%51.66%53.53%58.89%+87 bps
Non-Interest Burden1.86%2.00%1.50%1.50%1.64%-22 bps
Growth
Asset Growth (YoY)15.80%18.38%4.46%1.25%5.43%-1,037 bps
Loan Growth (YoY)6.71%22.36%8.94%5.25%16.49%+978 bps
Deposit Growth (YoY)6.91%6.25%4.43%9.07%1.15%-576 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.11%0.00%0.10%+10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.36%1.09%1.25%1.31%1.17%-19 bps
Allowance Coverage of NPLsn/an/a11.7xn/a12.1xn/a
Capital
Tier 1 Leverage Ratio19.25%18.22%17.40%18.53%18.59%-66 bps
Total Risk-Based Capital27.50%23.19%26.14%29.17%28.81%+131 bps
Equity / Assets15.84%14.77%15.97%16.76%17.03%+120 bps
Liquidity & Funding
Loans / Deposits52.50%63.50%55.24%54.60%60.45%+796 bps
Liquid Assets / Assets13.88%12.23%11.15%11.02%9.56%-432 bps
CRE / Total Capitaln/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 in Okeene

Okeene, OK · Cert 4161 · Peer group: banks under $1B in assets in OK (n=93-94)

FDIC · 1 branch

Q3 2024

$84.2MAssets
$37.1MLoans
$61.3MDeposits
$14.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 11 of 93).
  • Widest gap: net interest margin trails 85% of banks under $1B in assets in OK (rank 80 of 94).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.97%

Rank 51 of 94

Net Interest Margin

2.92%

Rank 80 of 94

Efficiency Ratio

58.89%

Rank 32 of 94

Equity / Assets

17.03%

Rank 6 of 94

Non-interest income vs. expense

$0.2M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 67% of banks under $1B in assets in OK
Bank 58.89%Peer median 65.5%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.64%1.06%1.49%Beats 46%51 / 94
Return on Equity5.70%5.91%9.48%13.78%Beats 22%73 / 94
Net Interest Margin2.92%3.07%3.69%4.52%Beats 15%80 / 94
Efficiency Ratio58.89%53.70%65.45%76.13%Beats 67%32 / 94
Asset Quality
Nonperforming Loans / Loans0.10%0.17%0.50%1.47%Beats 78%21 / 93
Net Charge-Offs / Loans0.00%0.02%0.04%0.19%Beats 100%11 / 93
Capital
Tier 1 Capital Ratio28.04%11.43%13.14%16.50%Beats 93%7 / 94
Total Risk-Based Capital Ratio28.81%11.58%13.89%17.44%Beats 93%7 / 94
Equity / Assets17.03%8.50%11.14%13.43%Beats 94%6 / 94
Liquidity & Funding
Loans / Deposits60.45%56.22%71.84%83.66%30th pctl65 / 93
Loans / Assets44.05%47.76%61.60%72.65%20th pctl74 / 93
Brokered Deposits / Depositsn/aNot reported for this institution