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First Farmers National Bank of Waurika, The

Waurika, OK · Cert 4222

National charter · OCC · 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

7

Q2 2024Q2 2026peer median

Efficiency

79

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 Farmers National Bank of Waurika, The

Waurika, OK · Cert 4222

National charter · OCC · 1 branch

Q2 2026

$55.5MAssets
$17.9MLoans
$47.1MDeposits
$8.3MEquity
Loan mix
60%RE $3.7M12%C&I $0.8M28%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $37.2M21%Noninterest $9.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.27%, up 20 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.00% of loans (-4 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 19.31%, up 15 bps from a year ago.
  • Funding: loans stand at 38.01% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.27%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+18 bps YoY

Efficiency Ratio (YTD, annualized)

52.23%-588 bps YoY

Tier 1 Leverage Ratio

19.31%+15 bps YoY

NIM

4.45%Q2 ’244.56%Q2 ’254.53%Q2 ’26+5%+6%

Non-interest income vs. expense

1.75%Q2 ’241.77%Q2 ’251.67%Q2 ’26+2%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.82%1.11%1.07%1.04%0.87%1.27%1.27%+20 bps
Return on Equity7.40%6.31%8.62%8.06%7.58%6.27%8.70%8.65%+59 bps
Net Interest Margin2.84%2.80%3.03%2.96%2.94%2.92%3.24%3.14%+18 bps
Efficiency Ratio59.68%66.35%57.63%58.11%58.77%65.55%53.78%52.23%-588 bps
Non-Interest Burden1.66%1.83%1.71%1.69%1.69%1.88%1.71%1.61%-7 bps
Growth
Asset Growth (YoY)2.69%4.56%5.08%1.97%4.10%1.49%5.33%5.07%+310 bps
Loan Growth (YoY)-19.93%-10.05%7.33%15.77%27.65%16.94%-7.47%9.27%-650 bps
Deposit Growth (YoY)-1.23%5.60%2.06%0.99%4.07%-1.08%6.72%3.87%+287 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.08%0.05%0.04%0.04%0.00%0.00%0.00%-4 bps
Net Charge-Offs / Loans-0.11%-0.03%0.00%-0.10%-0.06%-0.06%0.02%0.01%+11 bps
Allowance / Loans7.77%5.17%4.35%6.33%6.11%4.49%4.76%5.83%-50 bps
Allowance Coverage of NPLs39.8x68.6x93.5x148.1x172.8xn/an/an/an/a
Capital
Tier 1 Leverage Ratio19.45%18.74%18.67%19.16%19.56%19.42%19.16%19.31%+15 bps
Total Risk-Based Capital19.45%18.74%18.67%19.16%19.56%19.42%19.16%19.31%+15 bps
Equity / Assets14.87%12.24%13.61%13.95%14.87%14.46%14.66%14.98%+103 bps
Liquidity & Funding
Loans / Deposits29.80%40.30%51.19%36.13%36.55%47.64%44.38%38.01%+188 bps
Liquid Assets / Assets20.74%14.23%5.24%13.77%10.29%5.05%8.45%16.45%+268 bps
CRE / Total Capitaln/an/an/an/a9.50%8.76%8.25%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 Farmers National Bank of Waurika, The

Waurika, OK · Cert 4222 · Peer group: banks under $1B in assets in OK (n=88-89)

National charter · OCC · 1 branch

Q2 2026

$55.5MAssets
$17.9MLoans
$47.1MDeposits
$8.3MEquity

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 88% of banks under $1B in assets in OK (rank 78 of 89).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.30%

Rank 41 of 89

Net Interest Margin

3.14%

Rank 78 of 89

Efficiency Ratio

52.23%

Rank 20 of 89

Equity / Assets

14.98%

Rank 15 of 89

Non-interest income vs. expense

$0.0M$1.0MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 79% of banks under $1B in assets in OK
Bank 52.23%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.30%0.85%1.26%1.60%Beats 54%41 / 89
Return on Equity8.70%7.40%11.89%14.65%Beats 36%57 / 89
Net Interest Margin3.14%3.46%3.93%4.45%Beats 12%78 / 89
Efficiency Ratio52.23%54.70%60.95%71.14%Beats 79%20 / 89
Asset Quality
Nonperforming Loans / Loans0.00%0.30%0.82%2.25%Beats 100%12 / 88
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 61%36 / 88
Capital
Tier 1 Capital Ratio19.31%10.89%13.00%16.33%Beats 84%14 / 89
Total Risk-Based Capital Ratio19.31%11.20%13.06%16.33%Beats 84%14 / 89
Equity / Assets14.98%9.26%10.94%13.52%Beats 83%15 / 89
Liquidity & Funding
Loans / Deposits38.01%61.51%72.27%84.01%11th pctl78 / 88
Loans / Assets32.23%52.51%63.15%71.27%12th pctl78 / 89
Brokered Deposits / Depositsn/aNot reported for this institution