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Oakworth Capital Bank

Birmingham, AL · Cert 58783 · Oakworth Capital Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

53

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

Oakworth Capital Bank

Birmingham, AL · Cert 58783 · Oakworth Capital Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$2.1BAssets
$1.7BLoans
$1.8BDeposits
$193.6MEquity
Loan mix
57%RE $910.4M41%C&I $652.0M1%Consumer $21.0MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.4B19%Noninterest $0.3BQ2 2025Q2 2026

NIM

6.23%Q2 ’246.08%Q2 ’255.64%Q2 ’26+7%0%

Non-interest income vs. expense

2.82%Q2 ’242.74%Q2 ’252.65%Q2 ’26+2%-7%

Market Position · Birmingham, AL · 2026 SOD (annual) · 2.6% share · #8 of 49 inst. · $1.4B of $53.8B

3.1% Jefferson
1.1% Williamson
1.4% Mobile
0.0% Mecklenburg

Executive Summary

  • Earnings: ROA of 1.17%, up 1 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.68% of loans (+64 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 9.60%, down 13 bps from a year ago.
  • Funding: loans stand at 97.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.58%-1 bps YoY

Efficiency Ratio (YTD, annualized)

58.60%-227 bps YoY

Tier 1 Leverage Ratio

9.60%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.17%1.17%1.09%1.17%+1 bps
Return on Equity12.96%12.96%12.99%12.08%12.94%-3 bps
Net Interest Margin3.59%3.56%3.36%3.58%3.58%-1 bps
Efficiency Ratio60.87%60.90%61.68%61.79%58.60%-227 bps
Non-Interest Burden1.83%1.82%1.74%1.84%1.70%-13 bps
Growth
Asset Growth (YoY)13.36%10.79%14.49%12.34%15.29%+193 bps
Loan Growth (YoY)10.25%8.65%10.22%11.59%15.36%+511 bps
Deposit Growth (YoY)12.38%11.11%14.54%9.90%11.98%-40 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.03%0.73%0.68%+64 bps
Net Charge-Offs / Loans0.01%0.01%0.03%0.13%0.21%+20 bps
Allowance / Loans1.20%1.22%1.21%1.19%1.20%0 bps
Allowance Coverage of NPLs33.1x34.6x35.7x1.6x1.8x-31.3x
Capital
Tier 1 Leverage Ratio9.73%9.84%9.28%9.50%9.60%-13 bps
Total Risk-Based Capital12.06%12.22%11.91%11.79%11.92%-15 bps
Equity / Assets9.14%9.23%8.93%9.09%9.08%-6 bps
Liquidity & Funding
Loans / Deposits94.80%89.98%87.20%92.81%97.65%+286 bps
Liquid Assets / Assets5.96%7.47%8.61%4.97%5.51%-45 bps
CRE / Total Capitaln/a326%343%349%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

Oakworth Capital Bank

Birmingham, AL · Cert 58783 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Oakworth Capital Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$2.1BAssets
$1.7BLoans
$1.8BDeposits
$193.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 56% of banks $1B-$10B in assets operating regionally (rank 78 of 176).
  • Widest gap: tier 1 capital ratio trails 80% of banks $1B-$10B in assets operating regionally (rank 141 of 176).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.14%

Rank 105 of 176

Net Interest Margin

3.58%

Rank 90 of 176

Efficiency Ratio

58.60%

Rank 83 of 176

Equity / Assets

9.08%

Rank 136 of 176

Non-interest income vs. expense

$19.8M$55.2MINCOMEEXPENSE
Unfavorable gap of $35.4M · efficiency ratio beats 53% of banks $1B-$10B in assets operating regionally
Bank 58.60%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.93%1.26%1.54%Beats 40%105 / 176
Return on Equity12.52%9.26%11.89%14.46%Beats 56%78 / 176
Net Interest Margin3.58%3.25%3.59%3.93%Beats 49%90 / 176
Efficiency Ratio58.60%52.79%59.55%67.66%Beats 53%83 / 176
Asset Quality
Nonperforming Loans / Loans0.68%0.30%0.64%1.32%Beats 48%92 / 176
Net Charge-Offs / Loans0.10%0.01%0.04%0.10%Beats 22%138 / 176
Capital
Tier 1 Capital Ratio10.73%11.15%12.72%14.15%Beats 20%141 / 176
Total Risk-Based Capital Ratio11.92%11.81%13.63%15.33%Beats 27%129 / 176
Equity / Assets9.08%9.16%10.35%11.80%Beats 23%136 / 176
Liquidity & Funding
Loans / Deposits97.65%80.94%89.73%97.21%77th pctl41 / 176
Loans / Assets80.96%69.25%75.12%80.82%76th pctl42 / 176
Brokered Deposits / Depositsn/aNot reported for this institution