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State Bank of Wynnewood, The

Wynnewood, OK · Cert 4232 · Garvin County Bancshares Inc.

State charter, non-member · FDIC · 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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

81

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

State Bank of Wynnewood, The

Wynnewood, OK · Cert 4232 · Garvin County Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$111.4MAssets
$50.3MLoans
$95.8MDeposits
$15.2MEquity
Loan mix
88%RE $40.2M9%C&I $4.0M3%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $79.7M17%Noninterest $16.1MQ2 2025Q2 2026

NIM

4.02%Q2 ’244.35%Q2 ’254.29%Q2 ’26+22%+6%

Non-interest income vs. expense

1.76%Q2 ’241.99%Q2 ’252.03%Q2 ’26+20%-51%

Executive Summary

  • Earnings: ROA of 1.66%, up 91 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 15.63%, up 89 bps from a year ago.
  • Funding: loans stand at 52.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.66%+91 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+16 bps YoY

Efficiency Ratio (YTD, annualized)

50.73%-1,783 bps YoY

Tier 1 Leverage Ratio

15.63%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.78%0.80%2.36%1.66%+91 bps
Return on Equity6.52%6.60%6.52%17.19%12.10%+558 bps
Net Interest Margin2.69%2.81%2.88%2.84%2.84%+16 bps
Efficiency Ratio68.56%68.12%68.12%42.78%50.73%-1,783 bps
Non-Interest Burden1.77%1.83%1.88%-0.02%0.87%-91 bps
Growth
Asset Growth (YoY)1.70%-1.43%-9.07%0.87%0.17%-153 bps
Loan Growth (YoY)2.10%-1.54%-1.57%1.64%4.47%+237 bps
Deposit Growth (YoY)1.45%-2.55%-11.99%-1.21%-1.89%-334 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.02%0.01%0 bps
Allowance / Loans1.37%1.33%1.33%1.33%1.31%-6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.74%15.28%15.55%15.89%15.63%+89 bps
Total Risk-Based Capital14.74%15.28%15.55%15.89%15.63%+89 bps
Equity / Assets11.73%12.98%14.28%13.23%13.63%+189 bps
Liquidity & Funding
Loans / Deposits49.32%51.90%57.11%50.21%52.52%+320 bps
Liquid Assets / Assets17.37%13.76%7.68%20.31%20.17%+280 bps
CRE / Total Capitaln/a30.44%33.84%32.86%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

State Bank of Wynnewood, The

Wynnewood, OK · Cert 4232 · Peer group: banks under $1B in assets in OK (n=88-89) · Garvin County Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$111.4MAssets
$50.3MLoans
$95.8MDeposits
$15.2MEquity

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 97% of banks under $1B in assets in OK (rank 86 of 89).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.62%

Rank 21 of 89

Net Interest Margin

2.84%

Rank 86 of 89

Efficiency Ratio

50.73%

Rank 18 of 89

Equity / Assets

13.63%

Rank 22 of 89

Non-interest income vs. expense

$1.4M$2.4MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 81% of banks under $1B in assets in OK
Bank 50.73%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.62%0.85%1.26%1.60%Beats 76%21 / 89
Return on Equity11.89%7.40%11.89%14.65%Beats 49%45 / 89
Net Interest Margin2.84%3.46%3.93%4.45%Beats 3%86 / 89
Efficiency Ratio50.73%54.70%60.95%71.14%Beats 81%18 / 89
Asset Quality
Nonperforming Loans / Loans0.00%0.30%0.82%2.25%Beats 100%12 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 75%23 / 88
Capital
Tier 1 Capital Ratio15.63%10.89%13.00%16.33%Beats 72%25 / 89
Total Risk-Based Capital Ratio15.63%11.20%13.06%16.33%Beats 70%27 / 89
Equity / Assets13.63%9.26%10.94%13.52%Beats 75%22 / 89
Liquidity & Funding
Loans / Deposits52.52%61.51%72.27%84.01%20th pctl70 / 88
Loans / Assets45.18%52.51%63.15%71.27%19th pctl72 / 89
Brokered Deposits / Depositsn/aNot reported for this institution