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Ynb

Yukon, OK · Cert 4235 · Intl Bancshares OK

State charter, non-member · FDIC · 5 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

12

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

12

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

Ynb

Yukon, OK · Cert 4235 · Intl Bancshares OK

State charter, non-member · FDIC · 5 branches

Q2 2026

$261.4MAssets
$145.7MLoans
$232.5MDeposits
$20.5MEquity
Loan mix
82%RE $109.6M8%C&I $11.1M9%Consumer $12.7MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $162.5M30%Noninterest $70.0MQ2 2025Q2 2026

NIM

4.44%Q2 ’244.53%Q2 ’254.89%Q2 ’26-13%+6%

Non-interest income vs. expense

3.20%Q2 ’243.24%Q2 ’253.23%Q2 ’26+1%+1%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.4% share · #44 of 71 inst. · $0.2B of $60.8B

7.1% Canadian
0.0% Oklahoma

Executive Summary

  • Earnings: ROA of 0.43%, up 9 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.39% of loans (+27 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 8.45%, down 48 bps from a year ago.
  • Funding: loans stand at 62.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.43%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+20 bps YoY

Efficiency Ratio (YTD, annualized)

84.45%-402 bps YoY

Tier 1 Leverage Ratio

8.45%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.34%0.33%0.40%0.43%+9 bps
Return on Equity4.31%4.25%4.11%5.12%5.54%+122 bps
Net Interest Margin3.22%3.27%3.30%3.36%3.42%+20 bps
Efficiency Ratio88.47%88.72%89.38%85.93%84.45%-402 bps
Non-Interest Burden2.78%2.83%2.88%2.82%2.81%+3 bps
Growth
Asset Growth (YoY)-3.04%-8.47%9.93%11.21%8.26%+1,130 bps
Loan Growth (YoY)-3.45%-4.76%-1.72%1.70%16.49%+1,993 bps
Deposit Growth (YoY)-4.17%-9.49%13.51%11.32%5.10%+927 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.12%1.12%1.07%0.39%+27 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.06%0.05%+4 bps
Allowance / Loans0.91%0.93%0.87%0.81%0.77%-14 bps
Allowance Coverage of NPLs7.1x7.5x0.8x0.8x2.0x-5.1x
Capital
Tier 1 Leverage Ratio8.93%8.97%9.00%8.41%8.45%-48 bps
Total Risk-Based Capital14.38%14.55%14.24%13.52%12.93%-146 bps
Equity / Assets7.90%8.23%8.22%7.43%7.86%-4 bps
Liquidity & Funding
Loans / Deposits56.52%55.68%55.61%53.65%62.64%+612 bps
Liquid Assets / Assets9.60%8.49%7.82%10.37%3.19%-641 bps
CRE / Total Capitaln/a279%277%292%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

Ynb

Yukon, OK · Cert 4235 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Intl Bancshares OK

State charter, non-member · FDIC · 5 branches

Q2 2026

$261.4MAssets
$145.7MLoans
$232.5MDeposits
$20.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 68% of banks under $1B in assets in the Oklahoma City, OK area (rank 9 of 25).
  • Widest gap: return on assets trails 92% of banks under $1B in assets in the Oklahoma City, OK area (rank 23 of 25).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.43%

Rank 23 of 25

Net Interest Margin

3.42%

Rank 21 of 25

Efficiency Ratio

84.45%

Rank 23 of 25

Equity / Assets

7.86%

Rank 22 of 25

Non-interest income vs. expense

$1.1M$8.6MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 12% of banks under $1B in assets in the Oklahoma City, OK area
Bank 84.45%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.43%0.60%0.90%1.27%Beats 8%23 / 25
Return on Equity5.49%6.92%9.16%13.29%Beats 12%22 / 25
Net Interest Margin3.42%3.56%3.82%4.10%Beats 16%21 / 25
Efficiency Ratio84.45%56.35%63.12%79.22%Beats 12%23 / 25
Asset Quality
Nonperforming Loans / Loans0.39%0.33%0.76%2.35%Beats 68%9 / 25
Net Charge-Offs / Loans0.02%n/a0.00%0.05%Beats 44%15 / 25
Capital
Tier 1 Capital Ratio12.25%10.27%12.02%13.99%Beats 56%11 / 25
Total Risk-Based Capital Ratio12.93%10.27%12.44%15.25%Beats 56%11 / 25
Equity / Assets7.86%8.64%10.07%11.05%Beats 12%22 / 25
Liquidity & Funding
Loans / Deposits62.64%70.71%82.03%97.03%8th pctl23 / 25
Loans / Assets55.73%62.67%74.54%84.24%12th pctl22 / 25
Brokered Deposits / Depositsn/aNot reported for this institution