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Anchor D Bank

Texhoma, OK · Cert 4208 · Texhoma Bancshares Inc.

State charter, Fed member · FED · 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 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=88 to 89). 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

67

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

Anchor D Bank

Texhoma, OK · Cert 4208 · Texhoma Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$404.5MAssets
$234.3MLoans
$330.1MDeposits
$40.9MEquity
Loan mix
71%RE $96.0M24%C&I $32.8M5%Consumer $6.8MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $257.1M22%Noninterest $73.0MQ2 2025Q2 2026

NIM

6.29%Q2 ’245.71%Q2 ’255.34%Q2 ’26-5%-2%

Non-interest income vs. expense

2.03%Q2 ’242.14%Q2 ’252.17%Q2 ’26+8%+3%

Executive Summary

  • Earnings: ROA of 1.41%, up 4 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.53%, up 38 bps from a year ago.
  • Funding: loans stand at 70.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-8 bps YoY

Efficiency Ratio (YTD, annualized)

56.40%+220 bps YoY

Tier 1 Leverage Ratio

10.53%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.31%1.24%1.48%1.41%+4 bps
Return on Equity15.52%14.53%13.47%15.21%14.31%-121 bps
Net Interest Margin3.47%3.49%3.45%3.24%3.39%-8 bps
Efficiency Ratio54.19%48.97%53.43%57.23%56.40%+220 bps
Non-Interest Burden1.66%1.22%1.44%1.67%1.71%+5 bps
Growth
Asset Growth (YoY)4.96%8.51%9.25%1.07%10.34%+539 bps
Loan Growth (YoY)-0.89%-0.86%0.48%-3.67%7.50%+839 bps
Deposit Growth (YoY)12.93%14.59%12.08%-0.23%3.23%-970 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.11%0.00%0 bps
Net Charge-Offs / Loans0.00%0.02%0.01%-0.03%-0.02%-2 bps
Allowance / Loans1.48%1.50%1.37%1.45%1.38%-11 bps
Allowance Coverage of NPLsn/an/an/a13.4xn/an/an/a
Capital
Tier 1 Leverage Ratio10.15%10.33%10.14%10.19%10.53%+38 bps
Total Risk-Based Capital13.74%13.86%12.67%14.01%12.97%-77 bps
Equity / Assets9.29%9.57%9.70%9.75%10.10%+81 bps
Liquidity & Funding
Loans / Deposits68.17%65.12%67.73%65.76%70.99%+282 bps
Liquid Assets / Assets0.26%0.00%0.00%0.00%0.00%-26 bps
CRE / Total Capitaln/a94.75%90.01%79.51%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

Anchor D Bank

Texhoma, OK · Cert 4208 · Peer group: banks under $1B in assets in OK (n=88-89) · Texhoma Bancshares Inc.

State charter, Fed member · FED · 4 branches

Q2 2026

$404.5MAssets
$234.3MLoans
$330.1MDeposits
$40.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 12 of 88).
  • Widest gap: net interest margin trails 79% of banks under $1B in assets in OK (rank 70 of 89).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.38%

Rank 34 of 89

Net Interest Margin

3.39%

Rank 70 of 89

Efficiency Ratio

56.40%

Rank 30 of 89

Equity / Assets

10.10%

Rank 59 of 89

Non-interest income vs. expense

$1.8M$8.4MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 67% of banks under $1B in assets in OK
Bank 56.40%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.38%0.85%1.26%1.60%Beats 62%34 / 89
Return on Equity13.67%7.40%11.89%14.65%Beats 65%31 / 89
Net Interest Margin3.39%3.46%3.93%4.45%Beats 21%70 / 89
Efficiency Ratio56.40%54.70%60.95%71.14%Beats 67%30 / 89
Asset Quality
Nonperforming Loans / Loans0.00%0.30%0.82%2.25%Beats 100%12 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio12.02%10.89%13.00%16.33%Beats 38%55 / 89
Total Risk-Based Capital Ratio12.97%11.20%13.06%16.33%Beats 46%48 / 89
Equity / Assets10.10%9.26%10.94%13.52%Beats 34%59 / 89
Liquidity & Funding
Loans / Deposits70.99%61.51%72.27%84.01%45th pctl48 / 88
Loans / Assets57.93%52.51%63.15%71.27%37th pctl56 / 89
Brokered Deposits / Depositsn/aNot reported for this institution