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Paycom National Trust Bank

Oklahoma City, OK · Cert 59363

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

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 OK (n=89). 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

99

Q3 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

72

Q3 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

100

Q3 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

Paycom National Trust Bank

Oklahoma City, OK · Cert 59363

FDIC

Q2 2026

$20.3MAssets
$0KLoans
$0KDeposits
$18.9MEquity

NIM

1.70%Q3 ’244.06%Q2 ’253.37%Q2 ’26+139%-17%

Non-interest income vs. expense

5.48%Q3 ’2426.87%Q2 ’2519.48%Q2 ’26-893%+32%

Executive Summary

  • Earnings: ROA of 35.26%, down 1,148 bps year over year; NIM at 3.37%.
  • Capital: tier 1 leverage ratio of 111.90%, down 539 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

35.26%-1,148 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-69 bps YoY

Efficiency Ratio (YTD, annualized)

26.40%+96 bps YoY

Tier 1 Leverage Ratio

111.90%-539 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets46.75%43.25%41.33%39.60%35.26%-1,148 bps
Return on Equity56.93%50.95%47.75%42.87%38.05%-1,888 bps
Net Interest Margin4.06%3.79%3.57%3.48%3.37%-69 bps
Efficiency Ratio25.43%26.66%27.58%23.95%26.40%+96 bps
Non-Interest Burden-74.70%-61.00%-55.18%-59.78%-50.94%+2,377 bps
Growth
Asset Growth (YoY)n/a78.94%47.58%51.46%19.25%n/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio117.29%111.68%112.31%112.30%111.90%-539 bps
Total Risk-Based Capital163.39%280%281%281%293%+12,980 bps
Equity / Assets74.96%92.31%92.11%92.62%93.19%+1,823 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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

Paycom National Trust Bank

Oklahoma City, OK · Cert 59363 · Peer group: banks under $1B in assets in OK (n=89)

FDIC

Q2 2026

$20.3MAssets
$0KLoans
$0KDeposits
$18.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in OK (rank 1 of 89).
  • Widest gap: net interest margin trails 81% of banks under $1B in assets in OK (rank 72 of 89).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

32.45%

Rank 1 of 89

Net Interest Margin

3.37%

Rank 72 of 89

Efficiency Ratio

26.40%

Rank 1 of 89

Equity / Assets

93.19%

Rank 1 of 89

Non-interest income vs. expense

$11.9M$3.3MINCOMEEXPENSE
Favorable gap of $8.6M · efficiency ratio beats 100% of banks under $1B in assets in OK
Bank 26.40%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets32.45%0.85%1.26%1.60%Beats 99%1 / 89
Return on Equity34.82%7.40%11.89%14.65%Beats 99%1 / 89
Net Interest Margin3.37%3.46%3.93%4.45%Beats 19%72 / 89
Efficiency Ratio26.40%54.70%60.95%71.14%Beats 100%1 / 89
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio293%10.89%13.00%16.33%Beats 99%1 / 89
Total Risk-Based Capital Ratio293%11.20%13.06%16.33%Beats 99%1 / 89
Equity / Assets93.19%9.26%10.94%13.52%Beats 99%1 / 89
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%52.51%63.15%71.27%0th pctl89 / 89
Brokered Deposits / Depositsn/aNot reported for this institution