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Bank of Vici

Vici, OK · Cert 420 · Vici Bcorp

State charter, non-member · FDIC · 1 branch

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=87 to 88). 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

0

Q2 2024Q2 2026peer median (50)

Asset Quality

16

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

5

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 2026-10-10

Bank of Vici

Vici, OK · Cert 420 · Vici Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$27.3MAssets
$12.4MLoans
$26.8MDeposits
$479KEquity
Loan mix
29%RE $3.9M45%C&I $6.0M26%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $19.5M27%Noninterest $7.3MQ2 2025Q2 2026

NIM

6.26%Q2 ’245.33%Q2 ’255.19%Q2 ’26-32%+13%

Non-interest income vs. expense

5.83%Q2 ’248.83%Q2 ’255.33%Q2 ’26+67%-44%

Executive Summary

  • Earnings: ROA of -11.52%, down 264 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 1.68% of loans (-354 bps YoY), with net charge-offs at 25.96%.
  • Capital: tier 1 leverage ratio of 5.23%, down 335 bps from a year ago.
  • Funding: loans stand at 46.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-11.52%-264 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+41 bps YoY

Efficiency Ratio (YTD, annualized)

121.78%-10,557 bps YoY

Tier 1 Leverage Ratio

5.23%-335 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-8.88%-6.81%-5.53%-0.72%-11.52%-264 bps
Return on Equity-121.97%-98.95%-80.57%-11.44%-235%-11,261 bps
Net Interest Margin3.10%3.25%3.94%3.67%3.51%+41 bps
Efficiency Ratio227%205%170.01%114.51%121.78%-10,557 bps
Non-Interest Burden8.04%7.46%7.29%4.34%4.46%-358 bps
Growth
Asset Growth (YoY)-0.07%-8.35%-16.66%-7.47%-16.49%-1,642 bps
Loan Growth (YoY)-20.71%-21.81%-18.78%-16.18%-22.15%-143 bps
Deposit Growth (YoY)6.84%-1.56%-14.60%-5.78%-13.47%-2,031 bps
Asset Quality
Nonperforming Loans / Loans5.22%5.02%3.12%2.39%1.68%-354 bps
Net Charge-Offs / Loans4.02%2.66%2.13%0.93%25.96%+2,194 bps
Allowance / Loans2.11%2.20%3.13%2.83%3.24%+113 bps
Allowance Coverage of NPLs0.4x0.4x1.0x1.2x1.9x+1.5x
Capital
Tier 1 Leverage Ratio8.58%8.48%9.90%9.10%5.23%-335 bps
Total Risk-Based Capital8.58%8.48%9.90%9.10%5.23%-335 bps
Equity / Assets5.14%5.58%6.75%5.94%1.76%-339 bps
Liquidity & Funding
Loans / Deposits51.28%54.11%54.26%50.47%46.13%-515 bps
Liquid Assets / Assets0.30%0.32%1.20%1.10%3.11%+281 bps
CRE / Total Capitaln/a131.93%111.50%112.45%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 2026-10-10

Bank of Vici

Vici, OK · Cert 420 · Peer group: banks under $1B in assets in OK (n=87-88) · Vici Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$27.3MAssets
$12.4MLoans
$26.8MDeposits
$479KEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 31% of banks under $1B in assets in OK (rank 61 of 87).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in OK (rank 88 of 88).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-12.39%

Rank 88 of 88

Net Interest Margin

3.51%

Rank 66 of 88

Efficiency Ratio

121.78%

Rank 85 of 88

Equity / Assets

1.76%

Rank 88 of 88

Non-interest income vs. expense

$0.3M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 5% of banks under $1B in assets in OK
Bank 121.78%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-12.39%0.85%1.26%1.62%Beats 0%88 / 88
Return on Equity-706%7.40%11.89%14.66%Beats 0%88 / 88
Net Interest Margin3.51%3.51%3.93%4.47%Beats 25%66 / 88
Efficiency Ratio121.78%54.70%61.50%71.28%Beats 5%85 / 88
Asset Quality
Nonperforming Loans / Loans1.68%0.30%0.82%2.25%Beats 31%61 / 87
Net Charge-Offs / Loans13.30%0.00%0.03%0.20%Beats 1%87 / 87
Capital
Tier 1 Capital Ratio5.23%10.89%13.04%16.40%Beats 0%88 / 88
Total Risk-Based Capital Ratio5.23%11.20%13.09%16.43%Beats 0%88 / 88
Equity / Assets1.76%9.26%10.95%13.63%Beats 0%88 / 88
Liquidity & Funding
Loans / Deposits46.13%60.39%72.27%84.01%16th pctl73 / 87
Loans / Assets45.26%52.51%63.37%71.46%20th pctl70 / 88
Brokered Deposits / Depositsn/aNot reported for this institution