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First National Bank of Stigler, The

Stigler, OK · Cert 4199

FDIC · 1 branch

Q1 2024

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: Q1 2024, the quarter ended March 31, 2024, 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

First National Bank of Stigler, The

Stigler, OK · Cert 4199

FDIC · 1 branch

Q1 2024

$129.7MAssets
$35.7MLoans
$129.9MDeposits
$-911KEquity
Loan mix
73%RE $22.9M20%C&I $6.2M7%Consumer $2.3MQ1 2023Q1 2024
Deposit mix
68%Interest-bearing $88.5M32%Noninterest $41.4MQ1 2023Q1 2024

NIM

2.52%Q1 ’223.36%Q1 ’234.01%Q1 ’24+13%-2%

Non-interest income vs. expense

1.88%Q1 ’221.84%Q1 ’231.21%Q1 ’24-6%-51%

Executive Summary

  • Earnings: ROA of 1.76%, up 58 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.90% of loans (+10 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 8.00%, down 12 bps from a year ago.
  • Funding: loans stand at 27.48% of deposits as of Q1 2024.

Financial Results

Return on Assets (YTD, annualized)

1.76%+58 bps YoY

Net Interest Margin (YTD, annualized)

2.68%-6 bps YoY

Efficiency Ratio (YTD, annualized)

37.61%-1,953 bps YoY

Tier 1 Leverage Ratio

8.00%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets1.19%1.20%1.03%1.10%1.76%+58 bps
Return on Equity-498%-425%-167.45%-216%-460%+3,723 bps
Net Interest Margin2.74%2.73%2.74%2.76%2.68%-6 bps
Efficiency Ratio57.14%56.51%57.78%56.86%37.61%-1,953 bps
Non-Interest Burden1.35%1.32%1.36%1.35%0.67%-68 bps
Growth
Asset Growth (YoY)-4.80%-1.69%-4.68%-9.45%-2.25%+256 bps
Loan Growth (YoY)1.03%-0.05%0.51%-0.11%-1.01%-204 bps
Deposit Growth (YoY)-0.53%-1.09%-4.01%-10.16%-1.52%-99 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.79%0.79%0.80%0.90%+10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.06%+6 bps
Allowance / Loans1.13%1.12%1.11%1.12%1.12%-1 bps
Allowance Coverage of NPLs1.4x1.4x1.4x1.4x1.2x-0.2x
Capital
Tier 1 Leverage Ratio8.12%8.37%8.45%8.24%8.00%-12 bps
Total Risk-Based Capital22.61%22.74%24.31%24.09%23.68%+107 bps
Equity / Assets0.03%-0.37%-1.68%-0.05%-0.70%-73 bps
Liquidity & Funding
Loans / Deposits27.34%27.88%28.65%29.25%27.48%+14 bps
Liquid Assets / Assets11.01%11.46%18.16%14.01%17.79%+678 bps
CRE / Total Capitaln/an/an/an/an/an/an/a