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Great Nations Bank

Norman, OK · Cert 58680

State charter, non-member · FDIC · 2 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

96

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

28

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

Great Nations Bank

Norman, OK · Cert 58680

State charter, non-member · FDIC · 2 branches

Q2 2026

$113.8MAssets
$90.1MLoans
$100.5MDeposits
$11.3MEquity
Loan mix
93%RE $82.6M6%C&I $5.2M1%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $87.3M13%Noninterest $13.2MQ2 2025Q2 2026

NIM

6.71%Q2 ’246.94%Q2 ’256.82%Q2 ’26+7%+7%

Non-interest income vs. expense

2.97%Q2 ’242.82%Q2 ’253.08%Q2 ’26-7%+12%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.2% share · #52 of 71 inst. · $0.1B of $60.8B

1.1% Cleveland
1.1% Canadian

Executive Summary

  • Earnings: ROA of 0.70%, down 7 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.10% of loans (+10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.27%, up 121 bps from a year ago.
  • Funding: loans stand at 89.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+24 bps YoY

Efficiency Ratio (YTD, annualized)

79.22%+305 bps YoY

Tier 1 Leverage Ratio

10.27%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.94%0.94%0.60%0.70%-7 bps
Return on Equity8.79%10.73%10.56%6.16%7.13%-166 bps
Net Interest Margin3.56%3.57%3.63%3.73%3.81%+24 bps
Efficiency Ratio76.17%71.61%71.92%81.29%79.22%+305 bps
Non-Interest Burden2.68%2.52%2.58%3.02%3.00%+32 bps
Growth
Asset Growth (YoY)10.75%10.32%5.30%-1.03%-3.76%-1,451 bps
Loan Growth (YoY)15.59%2.93%-4.20%-5.10%-4.75%-2,034 bps
Deposit Growth (YoY)11.77%11.08%4.54%-2.17%-5.02%-1,678 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.10%+10 bps
Net Charge-Offs / Loans0.00%0.00%0.05%0.00%0.00%0 bps
Allowance / Loans1.01%1.11%1.11%1.12%1.15%+14 bps
Allowance Coverage of NPLsn/an/an/an/a11.4xn/a
Capital
Tier 1 Leverage Ratio9.06%9.32%9.65%10.10%10.27%+121 bps
Total Risk-Based Capital13.82%15.02%15.82%10.10%10.27%-355 bps
Equity / Assets8.63%9.04%9.58%9.76%9.97%+134 bps
Liquidity & Funding
Loans / Deposits89.46%84.45%86.74%88.88%89.72%+25 bps
Liquid Assets / Assets2.17%1.71%2.43%2.51%6.08%+391 bps
CRE / Total Capitaln/a360%339%353%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

Great Nations Bank

Norman, OK · Cert 58680 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25)

State charter, non-member · FDIC · 2 branches

Q2 2026

$113.8MAssets
$90.1MLoans
$100.5MDeposits
$11.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Oklahoma City, OK area (rank 8 of 25).
  • Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets in the Oklahoma City, OK area (rank 19 of 25).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.70%

Rank 17 of 25

Net Interest Margin

3.81%

Rank 14 of 25

Efficiency Ratio

79.22%

Rank 19 of 25

Equity / Assets

9.97%

Rank 14 of 25

Non-interest income vs. expense

$0.1M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 28% of banks under $1B in assets in the Oklahoma City, OK area
Bank 79.22%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.70%0.60%0.90%1.27%Beats 32%17 / 25
Return on Equity7.00%6.92%9.16%13.29%Beats 28%18 / 25
Net Interest Margin3.81%3.56%3.82%4.10%Beats 44%14 / 25
Efficiency Ratio79.22%56.35%63.12%79.22%Beats 28%19 / 25
Asset Quality
Nonperforming Loans / Loans0.10%0.33%0.76%2.35%Beats 92%3 / 25
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%8 / 25
Capital
Tier 1 Capital Ratio10.27%10.27%12.02%13.99%Beats 24%19 / 25
Total Risk-Based Capital Ratio10.27%10.27%12.44%15.25%Beats 24%19 / 25
Equity / Assets9.97%8.64%10.07%11.05%Beats 44%14 / 25
Liquidity & Funding
Loans / Deposits89.72%70.71%82.03%97.03%52nd pctl12 / 25
Loans / Assets79.23%62.67%74.54%84.24%60th pctl10 / 25
Brokered Deposits / Depositsn/aNot reported for this institution