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Idabel National Bank, The

Idabel, OK · Cert 4241 · Southeast Capital Corp.

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

91

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

87

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

Idabel National Bank, The

Idabel, OK · Cert 4241 · Southeast Capital Corp.

National charter · OCC · 1 branch

Q2 2026

$242.3MAssets
$156.3MLoans
$201.7MDeposits
$37.3MEquity
Loan mix
94%RE $154.3M2%C&I $4.1M4%Consumer $6.2MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $164.0M19%Noninterest $37.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.92%, up 31 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 8.39% of loans (-25 bps YoY), with net charge-offs at 0.47%.
  • Capital: tier 1 leverage ratio of 16.18%, up 141 bps from a year ago.
  • Funding: loans stand at 77.51% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+46 bps YoY

Efficiency Ratio (YTD, annualized)

49.02%-704 bps YoY

Tier 1 Leverage Ratio

16.18%+141 bps YoY

NIM

5.69%Q2 ’245.18%Q2 ’255.31%Q2 ’26-6%+15%

Non-interest income vs. expense

1.59%Q2 ’241.80%Q2 ’251.80%Q2 ’26+21%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%0.88%0.66%0.61%0.56%0.51%0.84%0.92%+31 bps
Return on Equity8.55%7.22%5.00%4.57%4.10%3.71%5.71%6.15%+158 bps
Net Interest Margin3.01%3.07%2.87%2.99%3.06%3.10%3.18%3.45%+46 bps
Efficiency Ratio48.23%50.69%57.63%56.06%53.93%56.47%52.82%49.02%-704 bps
Non-Interest Burden1.30%1.39%1.55%1.58%1.50%1.64%1.58%1.58%0 bps
Growth
Asset Growth (YoY)-4.27%-9.61%-7.48%-7.15%-7.81%-2.66%-2.25%-4.10%+306 bps
Loan Growth (YoY)-6.75%-10.98%-9.72%-11.16%-11.61%-11.73%-12.40%-15.04%-389 bps
Deposit Growth (YoY)-4.49%-12.36%-9.63%-7.76%-8.73%-1.52%-1.90%-5.20%+256 bps
Asset Quality
Nonperforming Loans / Loans5.33%4.57%8.02%8.64%9.03%9.60%9.40%8.39%-25 bps
Net Charge-Offs / Loans0.44%0.59%0.99%0.88%1.03%0.92%0.44%0.47%-41 bps
Allowance / Loans2.30%2.46%2.50%2.65%2.83%3.09%3.29%3.50%+85 bps
Allowance Coverage of NPLs0.4x0.5x0.3x0.3x0.3x0.3x0.4x0.4x+0.1x
Capital
Tier 1 Leverage Ratio13.43%13.88%14.44%14.76%15.10%15.25%15.49%16.18%+141 bps
Total Risk-Based Capital19.10%20.07%20.55%20.89%21.66%22.42%23.28%24.81%+392 bps
Equity / Assets12.88%12.87%13.51%13.64%14.46%14.52%14.82%15.40%+176 bps
Liquidity & Funding
Loans / Deposits88.30%89.92%88.63%86.49%85.52%80.60%79.14%77.51%-898 bps
Liquid Assets / Assets0.02%1.79%0.52%0.13%0.02%0.15%0.03%0.03%-10 bps
CRE / Total Capitaln/an/an/an/a337%318%307%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

Idabel National Bank, The

Idabel, OK · Cert 4241 · Peer group: banks under $1B in assets in OK (n=88-89) · Southeast Capital Corp.

National charter · OCC · 1 branch

Q2 2026

$242.3MAssets
$156.3MLoans
$201.7MDeposits
$37.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 92% of banks under $1B in assets in OK (rank 7 of 89).
  • Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets in OK (rank 87 of 88).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.94%

Rank 64 of 89

Net Interest Margin

3.45%

Rank 68 of 89

Efficiency Ratio

49.02%

Rank 13 of 89

Equity / Assets

15.40%

Rank 11 of 89

Non-interest income vs. expense

$0.5M$4.4MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 87% of banks under $1B in assets in OK
Bank 49.02%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.94%0.85%1.26%1.60%Beats 28%64 / 89
Return on Equity6.11%7.40%11.89%14.65%Beats 18%73 / 89
Net Interest Margin3.45%3.46%3.93%4.45%Beats 24%68 / 89
Efficiency Ratio49.02%54.70%60.95%71.14%Beats 87%13 / 89
Asset Quality
Nonperforming Loans / Loans8.39%0.30%0.82%2.25%Beats 2%87 / 88
Net Charge-Offs / Loans0.46%0.00%0.03%0.20%Beats 15%76 / 88
Capital
Tier 1 Capital Ratio23.53%10.89%13.00%16.33%Beats 92%7 / 89
Total Risk-Based Capital Ratio24.81%11.20%13.06%16.33%Beats 92%7 / 89
Equity / Assets15.40%9.26%10.94%13.52%Beats 88%11 / 89
Liquidity & Funding
Loans / Deposits77.51%61.51%72.27%84.01%57th pctl38 / 88
Loans / Assets64.52%52.51%63.15%71.27%52nd pctl43 / 89
Brokered Deposits / Depositsn/aNot reported for this institution