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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 $6.7MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $389.9M34%Noninterest $199.5MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.07%1.20%1.19%1.16%+21 bps
Return on Equity11.16%12.26%13.44%12.61%12.22%+107 bps
Net Interest Margin3.69%3.99%4.01%3.97%3.89%+19 bps
Efficiency Ratio65.62%63.48%61.95%59.50%60.19%-543 bps
Non-Interest Burden2.38%2.50%2.45%2.31%2.30%-8 bps
Growth
Asset Growth (YoY)-0.58%2.54%-0.22%2.26%11.60%+1,218 bps
Loan Growth (YoY)7.37%9.31%7.78%6.38%3.42%-395 bps
Deposit Growth (YoY)1.50%1.89%-1.55%1.06%11.13%+963 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.11%0.08%0.32%0.16%+16 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans0.95%0.95%0.95%1.00%1.05%+11 bps
Allowance Coverage of NPLs910.0x8.9x12.2x3.1x6.6x-903.4x
Capital
Tier 1 Leverage Ratio8.75%9.41%9.59%9.41%9.31%+56 bps
Total Risk-Based Capital12.10%12.66%13.01%13.26%13.61%+151 bps
Equity / Assets9.22%9.24%9.63%9.34%9.58%+35 bps
Liquidity & Funding
Loans / Deposits90.49%87.83%88.89%83.84%84.21%-628 bps
Liquid Assets / Assets8.24%13.08%14.17%19.02%21.12%+1,288 bps
CRE / Total Capitaln/a479%464%462%n/an/a