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Worthington Bank

Arlington, TX · Cert 57414 · Bancfirst Corp.

State charter, Fed member · FED · 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 Dallas-Fort Worth-Arlington, TX 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 Dallas-Fort Worth-Arlington, TX area (n=28). 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

64

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

Worthington Bank

Arlington, TX · Cert 57414 · Bancfirst Corp.

State charter, Fed member · FED · 2 affiliate banks · 5 branches (124 in holding)

Q2 2026

$655.4MAssets
$496.3MLoans
$589.4MDeposits
$62.8MEquity
Loan mix
86%RE $424.4M12%C&I $59.8M1%Consumer $6.7MQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $389.9M34%Noninterest $199.5MQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #69 of 166 inst. · $0.6B of $732.8B

0.8% Tarrant
0.0% Denton

Executive Summary

  • Earnings: ROA of 1.16%, up 21 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.16% of loans (+16 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.31%, up 56 bps from a year ago.
  • Funding: loans stand at 84.21% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.16%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+19 bps YoY

Efficiency Ratio (YTD, annualized)

60.19%-543 bps YoY

Tier 1 Leverage Ratio

9.31%+56 bps YoY

NIM

5.29%Q2 ’245.68%Q2 ’255.38%Q2 ’26+21%+5%

Non-interest income vs. expense

2.65%Q2 ’242.51%Q2 ’252.41%Q2 ’26-5%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.55%0.78%0.96%1.07%1.20%1.19%1.16%+21 bps
Return on Equity5.80%6.77%9.42%11.16%12.26%13.44%12.61%12.22%+107 bps
Net Interest Margin3.11%3.09%3.50%3.69%3.99%4.01%3.97%3.89%+19 bps
Efficiency Ratio79.85%77.01%69.77%65.62%63.48%61.95%59.50%60.19%-543 bps
Non-Interest Burden2.45%2.35%2.40%2.38%2.50%2.45%2.31%2.30%-8 bps
Growth
Asset Growth (YoY)9.61%7.84%8.67%-0.58%2.54%-0.22%2.26%11.60%+1,218 bps
Loan Growth (YoY)14.21%8.33%8.15%7.37%9.31%7.78%6.38%3.42%-395 bps
Deposit Growth (YoY)9.45%11.85%13.46%1.50%1.89%-1.55%1.06%11.13%+963 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.00%0.00%0.11%0.08%0.32%0.16%+16 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans0.93%0.93%0.94%0.95%0.95%0.95%1.00%1.05%+11 bps
Allowance Coverage of NPLs91.0x161.8x333.8x910.0x8.9x12.2x3.1x6.6x-903.4x
Capital
Tier 1 Leverage Ratio8.59%8.41%8.51%8.75%9.41%9.59%9.41%9.31%+56 bps
Total Risk-Based Capital12.27%12.12%12.10%12.10%12.66%13.01%13.26%13.61%+151 bps
Equity / Assets8.33%8.30%8.21%9.22%9.24%9.63%9.34%9.58%+35 bps
Liquidity & Funding
Loans / Deposits81.87%81.19%79.64%90.49%87.83%88.89%83.84%84.21%-628 bps
Liquid Assets / Assets10.68%14.27%16.15%8.24%13.08%14.17%19.02%21.12%+1,288 bps
CRE / Total Capitaln/an/an/an/a479%464%462%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

Worthington Bank

Arlington, TX · Cert 57414 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Bancfirst Corp.

State charter, Fed member · FED · 2 affiliate banks · 5 branches (124 in holding)

Q2 2026

$655.4MAssets
$496.3MLoans
$589.4MDeposits
$62.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 64% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 11 of 28).
  • Widest gap: equity / assets trails 75% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 21 of 28).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.13%

Rank 19 of 28

Net Interest Margin

3.89%

Rank 20 of 28

Efficiency Ratio

60.19%

Rank 11 of 28

Equity / Assets

9.58%

Rank 21 of 28

Non-interest income vs. expense

$0.8M$16.2MINCOMEEXPENSE
Unfavorable gap of $15.5M · efficiency ratio beats 64% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 60.19%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.13%1.12%1.22%1.47%Beats 32%19 / 28
Return on Equity11.84%8.64%12.47%13.41%Beats 39%17 / 28
Net Interest Margin3.89%3.77%4.06%4.51%Beats 29%20 / 28
Efficiency Ratio60.19%57.39%61.94%66.78%Beats 64%11 / 28
Asset Quality
Nonperforming Loans / Loans0.16%n/a0.28%1.06%Beats 54%14 / 28
Net Charge-Offs / Loans0.01%0.00%0.01%0.20%Beats 57%13 / 28
Capital
Tier 1 Capital Ratio12.56%12.55%13.77%17.51%Beats 29%20 / 28
Total Risk-Based Capital Ratio13.61%12.59%14.62%18.18%Beats 36%18 / 28
Equity / Assets9.58%9.58%11.17%13.58%Beats 25%21 / 28
Liquidity & Funding
Loans / Deposits84.21%66.90%84.79%89.14%43rd pctl16 / 28
Loans / Assets75.72%57.58%73.59%77.32%64th pctl10 / 28
Brokered Deposits / Depositsn/aNot reported for this institution