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Paycom National Trust Bank

Oklahoma City, OK · Cert 59363

FDIC

Q2 2026

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

NIM

4.75%Q4 ’244.41%Q2 ’253.55%Q2 ’26-7%-20%

Non-interest income vs. expense

32.87%Q4 ’2431.59%Q2 ’2520.71%Q2 ’26+16%+34%

Executive Summary

  • Earnings: ROA of 31.21%, down 951 bps year over year; NIM at 3.55%.
  • Capital: tier 1 leverage ratio of 111.90%, down 539 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

31.21%-951 bps YoY

Net Interest Margin (quarter, annualized)

3.55%-86 bps YoY

Efficiency Ratio (quarter, annualized)

29.02%-52 bps YoY

Tier 1 Leverage Ratio

111.90%-539 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets40.72%33.94%36.95%39.60%31.21%-951 bps
Return on Equity49.86%40.80%40.07%42.87%33.59%-1,628 bps
Net Interest Margin4.41%4.39%3.94%3.48%3.55%-86 bps
Efficiency Ratio29.53%29.32%30.23%23.95%29.02%-52 bps
Non-Interest Burden-70.96%-54.56%-54.23%-59.78%-47.11%+2,385 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