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First National Bank of Oklahoma

Oklahoma City, OK · Cert 4211 · First Bcorp of Oklahoma Inc.

National charter · OCC · 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 the Oklahoma City, OK area3

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 the Oklahoma City, OK area (n=25). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

83

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

96

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 National Bank of Oklahoma

Oklahoma City, OK · Cert 4211 · First Bcorp of Oklahoma Inc.

National charter · OCC · 4 branches

Q2 2026

$949.9MAssets
$751.5MLoans
$807.0MDeposits
$95.7MEquity
Loan mix
88%RE $606.9M10%C&I $71.1M1%Consumer $8.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $662.7M18%Noninterest $144.2MQ2 2025Q2 2026

NIM

6.30%Q2 ’246.54%Q2 ’256.43%Q2 ’26+18%+3%

Non-interest income vs. expense

1.95%Q2 ’241.98%Q2 ’251.96%Q2 ’26-6%+6%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.8% share · #22 of 71 inst. · $0.5B of $60.8B

1.0% Oklahoma
26.0% Kay

Executive Summary

  • Earnings: ROA of 1.83%, up 17 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 1.39% of loans (+8 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.46%, up 51 bps from a year ago.
  • Funding: loans stand at 93.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.83%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+13 bps YoY

Efficiency Ratio (YTD, annualized)

45.41%-62 bps YoY

Tier 1 Leverage Ratio

10.46%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.73%1.69%1.79%1.83%+17 bps
Return on Equity17.19%17.70%17.17%17.31%17.89%+71 bps
Net Interest Margin3.96%4.00%4.02%4.17%4.09%+13 bps
Efficiency Ratio46.03%45.84%47.44%46.21%45.41%-62 bps
Non-Interest Burden1.63%1.63%1.72%1.82%1.73%+10 bps
Growth
Asset Growth (YoY)9.64%8.56%10.12%4.60%8.76%-88 bps
Loan Growth (YoY)9.06%7.91%7.28%3.58%6.38%-268 bps
Deposit Growth (YoY)12.01%10.07%10.50%3.70%5.41%-660 bps
Asset Quality
Nonperforming Loans / Loans1.31%1.23%1.09%0.51%1.39%+8 bps
Net Charge-Offs / Loans-0.01%0.06%0.07%0.01%0.07%+7 bps
Allowance / Loans1.31%1.32%1.32%1.34%1.27%-5 bps
Allowance Coverage of NPLs1.0x1.1x1.2x2.6x0.9x-0.1x
Capital
Tier 1 Leverage Ratio9.95%10.31%10.40%10.93%10.46%+51 bps
Total Risk-Based Capital13.98%14.55%14.40%15.12%14.48%+49 bps
Equity / Assets9.57%9.99%10.04%10.61%10.07%+50 bps
Liquidity & Funding
Loans / Deposits92.28%91.47%91.18%92.06%93.13%+85 bps
Liquid Assets / Assets8.96%10.24%9.69%9.77%10.69%+174 bps
CRE / Total Capitaln/a433%429%406%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 National Bank of Oklahoma

Oklahoma City, OK · Cert 4211 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · First Bcorp of Oklahoma Inc.

National charter · OCC · 4 branches

Q2 2026

$949.9MAssets
$751.5MLoans
$807.0MDeposits
$95.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 96% of banks under $1B in assets in the Oklahoma City, OK area (rank 2 of 25).
  • Widest gap: net charge-offs / loans trails 64% of banks under $1B in assets in the Oklahoma City, OK area (rank 17 of 25).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.78%

Rank 2 of 25

Net Interest Margin

4.09%

Rank 8 of 25

Efficiency Ratio

45.41%

Rank 2 of 25

Equity / Assets

10.07%

Rank 13 of 25

Non-interest income vs. expense

$2.1M$18.4MINCOMEEXPENSE
Unfavorable gap of $16.2M · efficiency ratio beats 96% of banks under $1B in assets in the Oklahoma City, OK area
Bank 45.41%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.78%0.60%0.90%1.27%Beats 92%2 / 25
Return on Equity17.70%6.92%9.16%13.29%Beats 88%3 / 25
Net Interest Margin4.09%3.56%3.82%4.10%Beats 68%8 / 25
Efficiency Ratio45.41%56.35%63.12%79.22%Beats 96%2 / 25
Asset Quality
Nonperforming Loans / Loans1.39%0.33%0.76%2.35%Beats 44%15 / 25
Net Charge-Offs / Loans0.04%n/a0.00%0.05%Beats 36%17 / 25
Capital
Tier 1 Capital Ratio13.23%10.27%12.02%13.99%Beats 68%8 / 25
Total Risk-Based Capital Ratio14.48%10.27%12.44%15.25%Beats 68%8 / 25
Equity / Assets10.07%8.64%10.07%11.05%Beats 48%13 / 25
Liquidity & Funding
Loans / Deposits93.13%70.71%82.03%97.03%56th pctl11 / 25
Loans / Assets79.12%62.67%74.54%84.24%52nd pctl12 / 25
Brokered Deposits / Depositsn/aNot reported for this institution