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First State Bank in Temple

Temple, OK · Cert 5999

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

48

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

First State Bank in Temple

Temple, OK · Cert 5999

State charter, Fed member · FED · 1 branch

Q2 2026

$26.4MAssets
$10.0MLoans
$21.5MDeposits
$4.7MEquity
Loan mix
77%RE $3.2M10%C&I $0.4M13%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $15.4M29%Noninterest $6.2MQ2 2025Q2 2026

NIM

4.73%Q2 ’244.50%Q2 ’254.77%Q2 ’26-6%+10%

Non-interest income vs. expense

2.07%Q2 ’242.31%Q2 ’252.35%Q2 ’26+14%+2%

Market Position · Lawton, OK · 2026 SOD (annual) · 0.9% share · #10 of 12 inst. · $0.0B of $2.3B

Executive Summary

  • Earnings: ROA of 1.06%, up 24 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 8.60% of loans (+852 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 22.19%, down 50 bps from a year ago.
  • Funding: loans stand at 46.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+29 bps YoY

Efficiency Ratio (YTD, annualized)

68.74%-507 bps YoY

Tier 1 Leverage Ratio

22.19%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.88%0.62%0.95%1.06%+24 bps
Return on Equity4.82%5.20%3.63%5.33%5.94%+112 bps
Net Interest Margin3.03%2.92%3.07%3.47%3.32%+29 bps
Efficiency Ratio73.81%71.74%81.59%70.40%68.74%-507 bps
Non-Interest Burden2.21%2.07%2.48%2.42%2.25%+5 bps
Growth
Asset Growth (YoY)-0.33%4.61%8.22%10.08%1.05%+138 bps
Loan Growth (YoY)6.10%20.24%26.55%30.72%38.58%+3,248 bps
Deposit Growth (YoY)-1.24%5.03%-1.41%5.71%-0.96%+29 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.00%7.03%6.34%8.60%+852 bps
Net Charge-Offs / Loans0.03%0.11%0.06%0.00%0.00%-3 bps
Allowance / Loans3.52%2.92%2.02%1.92%2.60%-92 bps
Allowance Coverage of NPLs42.3xn/a0.3x0.3x0.3x-42.0x
Capital
Tier 1 Leverage Ratio22.69%21.66%22.48%21.98%22.19%-50 bps
Total Risk-Based Capital22.69%21.66%22.48%21.98%22.19%-50 bps
Equity / Assets16.27%17.00%18.00%17.53%17.95%+167 bps
Liquidity & Funding
Loans / Deposits33.15%38.27%63.71%68.80%46.39%+1,323 bps
Liquid Assets / Assets23.67%16.93%0.09%1.01%15.69%-798 bps
CRE / Total Capitaln/a0.63%0.62%0.61%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

First State Bank in Temple

Temple, OK · Cert 5999 · Peer group: banks under $1B in assets (n=581-629)

State charter, Fed member · FED · 1 branch

Q2 2026

$26.4MAssets
$10.0MLoans
$21.5MDeposits
$4.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets (rank 577 of 581).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.05%

Rank 297 of 629

Net Interest Margin

3.32%

Rank 387 of 629

Efficiency Ratio

68.74%

Rank 330 of 629

Equity / Assets

17.95%

Rank 95 of 629

Non-interest income vs. expense

$26K$664KINCOMEEXPENSE
Unfavorable gap of $638K · efficiency ratio beats 48% of banks under $1B in assets
Bank 68.74%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.60%1.01%1.45%Beats 53%297 / 629
Return on Equity5.88%5.38%9.30%13.28%Beats 27%457 / 629
Net Interest Margin3.32%3.03%3.54%4.05%Beats 38%387 / 629
Efficiency Ratio68.74%58.35%67.79%79.08%Beats 48%330 / 629
Asset Quality
Nonperforming Loans / Loans8.60%0.09%0.46%1.20%Beats 1%577 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio22.19%11.24%13.84%18.77%Beats 81%119 / 629
Total Risk-Based Capital Ratio22.19%11.58%14.43%19.66%Beats 80%126 / 629
Equity / Assets17.95%9.09%10.65%13.80%Beats 85%95 / 629
Liquidity & Funding
Loans / Deposits46.39%67.24%80.90%93.48%9th pctl538 / 594
Loans / Assets37.93%53.31%67.71%78.15%14th pctl543 / 629
Brokered Deposits / Depositsn/aNot reported for this institution