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McClain Bank

Purcell, OK · Cert 4187 · McClain County Bcorp Inc.

State charter, non-member · FDIC · 4 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 the Oklahoma City, OK area3

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 the Oklahoma City, OK area (n=25). 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

19

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

91

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

76

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

McClain Bank

Purcell, OK · Cert 4187 · McClain County Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$294.0MAssets
$202.7MLoans
$265.8MDeposits
$27.6MEquity
Loan mix
92%RE $176.6M6%C&I $11.9M2%Consumer $3.2MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $183.5M31%Noninterest $82.2MQ3 2024Q2 2026

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.4% share · #41 of 71 inst. · $0.3B of $60.8B

21.5% McClain
1.2% Cleveland

Executive Summary

  • Earnings: ROA of 1.70%, down 26 bps year over year; NIM at 4.81%.
  • Asset quality: problem loans at 0.28% of loans (-71 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.52%, down 111 bps from a year ago.
  • Funding: loans stand at 76.26% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.70%-26 bps YoY

Net Interest Margin (YTD, annualized)

4.81%+3 bps YoY

Efficiency Ratio (YTD, annualized)

56.35%+155 bps YoY

Tier 1 Leverage Ratio

9.52%-111 bps YoY

NIM

5.83%Q2 ’246.01%Q2 ’256.11%Q2 ’26+6%+1%

Non-interest income vs. expense

3.24%Q2 ’243.13%Q2 ’253.22%Q2 ’26-4%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.59%1.80%1.96%1.94%1.81%1.69%1.70%-26 bps
Return on Equity17.55%15.83%18.17%19.09%18.87%17.57%16.24%16.87%-222 bps
Net Interest Margin4.61%4.59%4.67%4.79%4.86%4.81%4.51%4.81%+3 bps
Efficiency Ratio58.33%59.17%55.86%54.80%55.78%56.85%56.03%56.35%+155 bps
Non-Interest Burden2.28%2.33%2.23%2.21%2.29%2.36%2.17%2.32%+11 bps
Growth
Asset Growth (YoY)-0.42%2.87%4.16%1.43%3.08%2.07%2.80%7.93%+650 bps
Loan Growth (YoY)-9.44%-6.69%-7.31%-2.29%3.52%7.95%8.64%11.92%+1,421 bps
Deposit Growth (YoY)-0.45%2.80%3.85%0.76%3.16%1.37%2.38%9.82%+906 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.62%0.62%0.99%0.87%0.39%0.37%0.28%-71 bps
Net Charge-Offs / Loans-0.05%0.01%-0.01%0.06%0.06%0.07%0.07%0.03%-2 bps
Allowance / Loans1.16%1.25%1.26%1.21%1.17%1.19%1.27%1.32%+11 bps
Allowance Coverage of NPLs2.0x2.0x2.0x1.2x1.3x3.0x3.5x4.8x+3.6x
Capital
Tier 1 Leverage Ratio10.54%9.95%10.10%10.62%10.34%10.44%9.93%9.52%-111 bps
Total Risk-Based Capital10.54%9.95%10.10%10.62%10.34%10.44%9.93%9.52%-111 bps
Equity / Assets10.44%9.87%9.97%10.94%10.33%10.47%10.38%9.40%-154 bps
Liquidity & Funding
Loans / Deposits74.28%72.39%69.52%74.83%74.54%77.09%73.77%76.26%+143 bps
Liquid Assets / Assets16.61%19.16%22.37%17.04%16.39%14.78%16.72%12.35%-469 bps
CRE / Total Capitaln/an/an/an/a213%308%291%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

McClain Bank

Purcell, OK · Cert 4187 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · McClain County Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$294.0MAssets
$202.7MLoans
$265.8MDeposits
$27.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in the Oklahoma City, OK area (rank 1 of 25).
  • Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets in the Oklahoma City, OK area (rank 22 of 25).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.68%

Rank 4 of 25

Net Interest Margin

4.81%

Rank 1 of 25

Efficiency Ratio

56.35%

Rank 7 of 25

Equity / Assets

9.40%

Rank 17 of 25

Non-interest income vs. expense

$2.6M$9.4MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 76% of banks under $1B in assets in the Oklahoma City, OK area
Bank 56.35%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.68%0.60%0.90%1.27%Beats 84%4 / 25
Return on Equity17.82%6.92%9.16%13.29%Beats 92%2 / 25
Net Interest Margin4.81%3.56%3.82%4.10%Beats 96%1 / 25
Efficiency Ratio56.35%56.35%63.12%79.22%Beats 76%7 / 25
Asset Quality
Nonperforming Loans / Loans0.28%0.33%0.76%2.35%Beats 84%5 / 25
Net Charge-Offs / Loans0.05%n/a0.00%0.05%Beats 28%19 / 25
Capital
Tier 1 Capital Ratio9.52%10.27%12.02%13.99%Beats 12%22 / 25
Total Risk-Based Capital Ratio9.52%10.27%12.44%15.25%Beats 12%22 / 25
Equity / Assets9.40%8.64%10.07%11.05%Beats 32%17 / 25
Liquidity & Funding
Loans / Deposits76.26%70.71%82.03%97.03%36th pctl16 / 25
Loans / Assets68.94%62.67%74.54%84.24%36th pctl16 / 25
Brokered Deposits / Depositsn/aNot reported for this institution