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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