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First Bank of Thomas

Thomas, OK · Cert 4209 · First Thomas Ban Corp.

State charter, Fed member · FED · 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=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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

40

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

First Bank of Thomas

Thomas, OK · Cert 4209 · First Thomas Ban Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$63.2MAssets
$28.0MLoans
$55.7MDeposits
$7.5MEquity
Loan mix
94%RE $23.8M5%C&I $1.3M1%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $46.5M16%Noninterest $9.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.93%, down 9 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 2.29% of loans (+83 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.63%, down 195 bps from a year ago.
  • Funding: loans stand at 50.28% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.93%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-40 bps YoY

Efficiency Ratio (YTD, annualized)

65.67%+225 bps YoY

Tier 1 Leverage Ratio

12.63%-195 bps YoY

NIM

4.98%Q2 ’245.07%Q2 ’254.71%Q2 ’26+1%-12%

Non-interest income vs. expense

2.42%Q2 ’242.32%Q2 ’252.09%Q2 ’26-5%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.77%0.95%1.02%1.07%1.04%0.94%0.93%-9 bps
Return on Equity5.97%5.36%6.75%7.33%7.62%7.35%6.95%7.20%-13 bps
Net Interest Margin3.38%3.42%3.28%3.34%3.43%3.39%3.22%2.94%-40 bps
Efficiency Ratio67.00%70.89%64.89%63.42%61.90%62.92%65.92%65.67%+225 bps
Non-Interest Burden2.15%2.33%2.01%2.00%2.01%2.03%2.03%1.84%-16 bps
Growth
Asset Growth (YoY)0.72%2.02%3.34%6.86%5.30%7.02%10.91%15.51%+866 bps
Loan Growth (YoY)12.23%1.15%0.49%3.75%19.97%23.99%16.13%6.57%+281 bps
Deposit Growth (YoY)-0.14%2.36%3.17%7.23%5.71%7.18%12.25%17.73%+1,050 bps
Asset Quality
Nonperforming Loans / Loans1.02%1.76%1.69%1.46%1.89%1.82%2.19%2.29%+83 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.95%1.95%1.92%1.91%1.76%1.75%1.81%1.90%-1 bps
Allowance Coverage of NPLs1.9x1.1x1.1x1.3x0.9x1.0x0.8x0.8x-0.5x
Capital
Tier 1 Leverage Ratio15.73%16.04%14.97%14.58%15.12%15.15%13.83%12.63%-195 bps
Total Risk-Based Capital32.64%33.46%31.74%31.77%29.88%29.91%27.86%29.90%-187 bps
Equity / Assets14.59%14.78%13.51%13.44%14.27%14.70%12.48%11.82%-161 bps
Liquidity & Funding
Loans / Deposits56.52%57.70%55.66%55.55%64.15%66.75%57.59%50.28%-527 bps
Liquid Assets / Assets29.36%29.47%30.02%30.22%30.97%27.20%28.10%39.81%+959 bps
CRE / Total Capitaln/an/an/an/a200%196.37%201%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

First Bank of Thomas

Thomas, OK · Cert 4209 · Peer group: banks under $1B in assets in OK (n=88-89) · First Thomas Ban Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$63.2MAssets
$28.0MLoans
$55.7MDeposits
$7.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets in OK (rank 83 of 89).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.86%

Rank 66 of 89

Net Interest Margin

2.94%

Rank 83 of 89

Efficiency Ratio

65.67%

Rank 54 of 89

Equity / Assets

11.82%

Rank 37 of 89

Non-interest income vs. expense

$0.2M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 40% of banks under $1B in assets in OK
Bank 65.67%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.86%0.85%1.26%1.60%Beats 26%66 / 89
Return on Equity7.25%7.40%11.89%14.65%Beats 24%68 / 89
Net Interest Margin2.94%3.46%3.93%4.45%Beats 7%83 / 89
Efficiency Ratio65.67%54.70%60.95%71.14%Beats 40%54 / 89
Asset Quality
Nonperforming Loans / Loans2.29%0.30%0.82%2.25%Beats 23%69 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio28.64%10.89%13.00%16.33%Beats 94%5 / 89
Total Risk-Based Capital Ratio29.90%11.20%13.06%16.33%Beats 94%5 / 89
Equity / Assets11.82%9.26%10.94%13.52%Beats 58%37 / 89
Liquidity & Funding
Loans / Deposits50.28%61.51%72.27%84.01%17th pctl73 / 88
Loans / Assets44.30%52.51%63.15%71.27%17th pctl74 / 89
Brokered Deposits / Depositsn/aNot reported for this institution