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Stroud National Bank

Stroud, OK · Cert 4204

FDIC · 3 branches

Q1 2021

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 2021, the quarter ended March 31, 2021, 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

Stroud National Bank

Stroud, OK · Cert 4204

FDIC · 3 branches

Q1 2021

$93.0MAssets
$44.6MLoans
$80.7MDeposits
$10.2MEquity
Loan mix
65%RE $26.4M26%C&I $10.4M10%Consumer $3.9MQ1 2020Q1 2021
Deposit mix
68%Interest-bearing $55.1M32%Noninterest $25.6MQ1 2020Q1 2021

NIM

4.52%Q1 ’194.45%Q1 ’205.65%Q1 ’21+0%+36%

Non-interest income vs. expense

4.11%Q1 ’194.31%Q1 ’204.06%Q1 ’21+7%-3%

Market Position · Oklahoma City, OK · 2020 SOD (annual) · 0.1% share · #59 of 72 inst. · $0.0B of $42.5B

8.6% Lincoln
1.2% Payne

Executive Summary

  • Earnings: ROA of 2.20%, up 165 bps year over year; NIM at 5.46%.
  • Asset quality: problem loans at 2.45% of loans (-40 bps YoY), with net recoveries of 0.20%.
  • Capital: tier 1 leverage ratio of 11.28%, down 123 bps from a year ago.
  • Funding: loans stand at 55.31% of deposits as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

2.20%+165 bps YoY

Net Interest Margin (YTD, annualized)

5.46%+144 bps YoY

Efficiency Ratio (YTD, annualized)

65.87%-2,260 bps YoY

Tier 1 Leverage Ratio

11.28%-123 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.55%0.93%0.84%0.80%2.20%+165 bps
Return on Equity4.28%7.34%6.74%6.44%19.09%+1,481 bps
Net Interest Margin4.01%4.13%4.02%3.88%5.46%+144 bps
Efficiency Ratio88.47%80.41%81.00%82.41%65.87%-2,260 bps
Non-Interest Burden3.45%3.18%3.11%3.06%3.35%-10 bps
Growth
Asset Growth (YoY)-3.37%5.40%11.71%15.09%23.23%+2,660 bps
Loan Growth (YoY)-4.29%4.36%7.92%-4.21%-0.24%+405 bps
Deposit Growth (YoY)-2.98%6.50%15.14%18.57%27.97%+3,095 bps
Asset Quality
Nonperforming Loans / Loans2.86%2.60%2.57%2.69%2.45%-40 bps
Net Charge-Offs / Loans0.01%0.12%0.13%0.09%-0.20%-21 bps
Allowance / Loans1.19%1.12%1.12%1.29%1.23%+3 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.5x0.5x+0.1x
Capital
Tier 1 Leverage Ratio12.50%11.54%11.41%11.29%11.28%-123 bps
Total Risk-Based Capital12.50%11.54%11.41%11.29%11.28%-123 bps
Equity / Assets12.46%12.36%12.17%12.15%10.94%-153 bps
Liquidity & Funding
Loans / Deposits70.95%68.08%68.51%58.18%55.31%-1,564 bps
Liquid Assets / Assets5.64%6.76%4.83%4.62%3.91%-174 bps
CRE / Total Capitaln/an/an/an/an/an/an/a