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First Bethany Bank & Trust

Bethany, OK · Cert 4228 · First Bethany Bcorp Inc.

State charter, Fed member · FED · 3 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

3

Q2 2024Q2 2026peer median (50)

Asset Quality

94

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

52

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 Bethany Bank & Trust

Bethany, OK · Cert 4228 · First Bethany Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$316.8MAssets
$198.5MLoans
$272.9MDeposits
$18.4MEquity
Loan mix
92%RE $172.7M8%C&I $14.3M0%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $215.9M21%Noninterest $57.0MQ2 2025Q2 2026

NIM

3.96%Q2 ’244.37%Q2 ’254.57%Q2 ’26+11%+19%

Non-interest income vs. expense

1.90%Q2 ’241.90%Q2 ’252.06%Q2 ’260%+12%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.4% share · #40 of 71 inst. · $0.3B of $60.8B

Executive Summary

  • Earnings: ROA of 0.93%, up 22 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.18% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.10%, up 6 bps from a year ago.
  • Funding: loans stand at 72.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%+22 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+47 bps YoY

Efficiency Ratio (YTD, annualized)

63.12%-431 bps YoY

Tier 1 Leverage Ratio

9.10%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.72%0.72%0.90%0.93%+22 bps
Return on Equity16.43%15.70%14.81%15.54%16.04%-39 bps
Net Interest Margin2.46%2.54%2.59%2.93%2.92%+47 bps
Efficiency Ratio67.43%67.33%65.97%64.31%63.12%-431 bps
Non-Interest Burden1.54%1.59%1.58%1.77%1.72%+18 bps
Growth
Asset Growth (YoY)0.68%3.66%0.89%4.95%7.25%+656 bps
Loan Growth (YoY)9.62%4.90%7.72%10.53%14.96%+534 bps
Deposit Growth (YoY)1.42%7.17%-2.11%3.57%8.57%+715 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.18%0.17%0.26%0.18%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.00%1.02%0.97%0.98%0.96%-4 bps
Allowance Coverage of NPLs5.4x5.7x5.8x3.7x5.3x-0.1x
Capital
Tier 1 Leverage Ratio9.04%9.20%9.10%9.19%9.10%+6 bps
Total Risk-Based Capital9.04%9.20%9.10%9.19%9.10%+6 bps
Equity / Assets4.39%5.42%5.95%5.68%5.81%+142 bps
Liquidity & Funding
Loans / Deposits68.70%67.31%73.86%70.82%72.75%+405 bps
Liquid Assets / Assets1.78%2.20%1.09%1.55%1.34%-43 bps
CRE / Total Capitaln/a382%389%378%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 Bethany Bank & Trust

Bethany, OK · Cert 4228 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · First Bethany Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$316.8MAssets
$198.5MLoans
$272.9MDeposits
$18.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Oklahoma City, OK area (rank 8 of 25).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Oklahoma City, OK area (rank 25 of 25).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.90%

Rank 13 of 25

Net Interest Margin

2.92%

Rank 25 of 25

Efficiency Ratio

63.12%

Rank 13 of 25

Equity / Assets

5.81%

Rank 25 of 25

Non-interest income vs. expense

$1.1M$6.7MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 52% of banks under $1B in assets in the Oklahoma City, OK area
Bank 63.12%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.60%0.90%1.27%Beats 48%13 / 25
Return on Equity15.55%6.92%9.16%13.29%Beats 80%5 / 25
Net Interest Margin2.92%3.56%3.82%4.10%Beats 0%25 / 25
Efficiency Ratio63.12%56.35%63.12%79.22%Beats 52%13 / 25
Asset Quality
Nonperforming Loans / Loans0.18%0.33%0.76%2.35%Beats 88%4 / 25
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%8 / 25
Capital
Tier 1 Capital Ratio9.10%10.27%12.02%13.99%Beats 4%24 / 25
Total Risk-Based Capital Ratio9.10%10.27%12.44%15.25%Beats 4%24 / 25
Equity / Assets5.81%8.64%10.07%11.05%Beats 0%25 / 25
Liquidity & Funding
Loans / Deposits72.75%70.71%82.03%97.03%28th pctl18 / 25
Loans / Assets62.67%62.67%74.54%84.24%24th pctl19 / 25
Brokered Deposits / Depositsn/aNot reported for this institution