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Central National Bank of Poteau, The

Poteau, OK · Cert 4181

FDIC · 6 branches

Q3 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Central National Bank of Poteau, The

Poteau, OK · Cert 4181

FDIC · 6 branches

Q3 2022

$341.7MAssets
$162.8MLoans
$296.4MDeposits
$38.2MEquity
Loan mix
76%RE $82.1M13%C&I $13.8M12%Consumer $12.6MQ3 2021Q3 2022
Deposit mix
89%Interest-bearing $263.3M11%Noninterest $33.1MQ3 2021Q3 2022

NIM

4.20%Q3 ’200.75%Q3 ’212.79%Q3 ’22-80%+260%

Non-interest income vs. expense

2.69%Q3 ’200.50%Q3 ’212.42%Q3 ’22-82%+367%

Executive Summary

  • Earnings: ROA of 0.74%, up 46 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.66% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.22%, down 71 bps from a year ago.
  • Funding: loans stand at 54.92% of deposits as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

0.74%+46 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+195 bps YoY

Efficiency Ratio (YTD, annualized)

69.88%+1,428 bps YoY

Tier 1 Leverage Ratio

10.22%-71 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.28%0.47%0.90%0.82%0.74%+46 bps
Return on Equity2.40%3.89%6.71%6.37%5.89%+349 bps
Net Interest Margin0.75%1.37%2.89%2.84%2.70%+195 bps
Efficiency Ratio55.60%58.38%65.51%67.74%69.88%+1,428 bps
Non-Interest Burden0.36%0.69%1.65%1.70%1.67%+131 bps
Growth
Asset Growth (YoY)17.67%13.20%11.70%10.50%2.38%-1,529 bps
Loan Growth (YoY)-3.10%-4.75%-5.26%4.53%10.69%+1,379 bps
Deposit Growth (YoY)12.59%8.35%8.60%9.07%4.67%-792 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.60%0.61%0.59%0.66%-6 bps
Net Charge-Offs / Loans0.01%-0.02%-0.05%-0.01%0.00%0 bps
Allowance / Loans0.01%0.12%0.15%0.15%0.13%+12 bps
Allowance Coverage of NPLs0.0x0.2x0.2x0.3x0.2x+0.2x
Capital
Tier 1 Leverage Ratio10.93%10.53%10.32%10.09%10.22%-71 bps
Total Risk-Based Capital10.93%10.53%10.32%10.09%10.22%-71 bps
Equity / Assets14.81%14.00%12.82%12.01%11.19%-362 bps
Liquidity & Funding
Loans / Deposits51.93%49.14%47.37%49.34%54.92%+299 bps
Liquid Assets / Assets14.03%15.17%12.09%3.47%0.74%-1,329 bps
CRE / Total Capitaln/an/an/an/an/an/an/a