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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

6.39%Q2 ’246.13%Q2 ’255.77%Q2 ’26+6%+1%

Non-interest income vs. expense

2.84%Q2 ’242.80%Q2 ’252.57%Q2 ’26+3%-15%

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 1.26%, up 17 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.68% of loans (+64 bps YoY), with net charge-offs at 0.29%.
  • 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 (quarter, annualized)

1.26%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.67%+5 bps YoY

Efficiency Ratio (quarter, annualized)

55.54%-641 bps YoY

Tier 1 Leverage Ratio

9.60%-13 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.19%1.18%1.09%1.26%+17 bps
Return on Equity11.98%13.00%13.02%12.08%13.83%+185 bps
Net Interest Margin3.62%3.67%3.58%3.58%3.67%+5 bps
Efficiency Ratio61.95%60.95%63.83%61.79%55.54%-641 bps
Non-Interest Burden1.90%1.87%1.96%1.84%1.61%-29 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 / Loans0.00%0.00%0.10%0.13%0.29%+29 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