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Letter portraitLegal landscapeQuarterYTD

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