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First United Bank and Trust Company

Durant, OK · Cert 4239 · Spend Life Wisely Co. Inc.

State charter, Fed member · FED · 74 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

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 over $10B in assets (n=142 to 144). 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

23

Q2 2024Q2 2026peer median

Efficiency

9

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 United Bank and Trust Company

Durant, OK · Cert 4239 · Spend Life Wisely Co. Inc.

State charter, Fed member · FED · 74 branches

Q2 2026

$16.6BAssets
$12.8BLoans
$13.3BDeposits
$1.6BEquity
Loan mix
90%RE $11.2B9%C&I $1.1B1%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $10.3B23%Noninterest $3.0BQ2 2025Q2 2026

NIM

5.61%Q2 ’245.51%Q2 ’255.34%Q2 ’26+8%+5%

Non-interest income vs. expense

2.85%Q2 ’242.80%Q2 ’252.96%Q2 ’26-4%+4%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.3% share · #26 of 166 inst. · $2.1B of $732.8B

88.1% Bryan
38.7% Grayson
49.6% Pontotoc
0.2% Dallas

Executive Summary

  • Earnings: ROA of 0.92%, up 6 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 1.69% of loans (-25 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.80%, up 100 bps from a year ago.
  • Funding: loans stand at 96.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+15 bps YoY

Efficiency Ratio (YTD, annualized)

70.06%+12 bps YoY

Tier 1 Leverage Ratio

9.80%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.91%0.97%0.88%0.92%+6 bps
Return on Equity9.73%10.30%10.87%9.13%9.48%-25 bps
Net Interest Margin3.13%3.17%3.20%3.28%3.28%+15 bps
Efficiency Ratio69.94%69.69%68.85%70.23%70.06%+12 bps
Non-Interest Burden2.01%2.01%2.01%2.09%2.09%+9 bps
Growth
Asset Growth (YoY)0.06%0.04%0.08%0.71%0.95%+89 bps
Loan Growth (YoY)0.46%0.46%0.30%-0.04%0.12%-33 bps
Deposit Growth (YoY)4.08%3.46%4.98%5.36%5.59%+151 bps
Asset Quality
Nonperforming Loans / Loans1.93%1.65%1.57%1.92%1.69%-25 bps
Net Charge-Offs / Loans0.18%0.11%0.15%0.03%0.06%-12 bps
Allowance / Loans1.04%1.06%1.02%1.01%1.00%-5 bps
Allowance Coverage of NPLs0.5x0.6x0.7x0.5x0.6x+0.1x
Capital
Tier 1 Leverage Ratio8.79%8.97%9.43%9.87%9.80%+100 bps
Total Risk-Based Capital12.30%12.61%13.37%13.48%13.36%+106 bps
Equity / Assets8.68%8.97%9.58%9.69%9.72%+104 bps
Liquidity & Funding
Loans / Deposits101.24%100.38%96.10%95.40%96.00%-524 bps
Liquid Assets / Assets0.67%0.94%1.05%0.82%0.80%+13 bps
CRE / Total Capitaln/a392%361%363%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 United Bank and Trust Company

Durant, OK · Cert 4239 · Peer group: banks over $10B in assets (n=142-144) · Spend Life Wisely Co. Inc.

State charter, Fed member · FED · 74 branches

Q2 2026

$16.6BAssets
$12.8BLoans
$13.3BDeposits
$1.6BEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 77% of banks over $10B in assets (rank 33 of 142).
  • Widest gap: efficiency ratio trails 91% of banks over $10B in assets (rank 132 of 144).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.91%

Rank 120 of 144

Net Interest Margin

3.28%

Rank 76 of 144

Efficiency Ratio

71.51%

Rank 132 of 144

Equity / Assets

9.72%

Rank 106 of 144

Non-interest income vs. expense

$143.7M$489.4MINCOMEEXPENSE
Unfavorable gap of $345.6M · efficiency ratio beats 9% of banks over $10B in assets
Bank 71.51%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%1.00%1.26%1.54%Beats 17%120 / 144
Return on Equity9.33%8.98%11.34%14.40%Beats 31%100 / 144
Net Interest Margin3.28%2.82%3.31%3.68%Beats 47%76 / 144
Efficiency Ratio71.51%49.42%56.02%62.41%Beats 9%132 / 144
Asset Quality
Nonperforming Loans / Loans1.69%0.48%0.73%1.07%Beats 10%129 / 142
Net Charge-Offs / Loans0.04%0.05%0.11%0.22%Beats 77%33 / 142
Capital
Tier 1 Capital Ratio12.31%12.07%12.98%14.92%Beats 35%93 / 144
Total Risk-Based Capital Ratio13.36%13.39%14.14%16.25%Beats 24%109 / 144
Equity / Assets9.72%9.69%11.39%12.96%Beats 26%106 / 144
Liquidity & Funding
Loans / Deposits96.00%75.72%84.92%91.56%86th pctl20 / 143
Loans / Assets77.10%59.83%69.07%74.80%80th pctl29 / 144
Brokered Deposits / Depositsn/aNot reported for this institution