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Arvest Bank

Fayetteville, AR · Cert 8728 · Arvest Bank Group Inc.

State charter, Fed member · FED · 225 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B 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 over $10B in assets (n=142 to 144). 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

3

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 2026-10-10

Arvest Bank

Fayetteville, AR · Cert 8728 · Arvest Bank Group Inc.

State charter, Fed member · FED · 225 branches

Q2 2026

$28.1BAssets
$20.5BLoans
$24.6BDeposits
$2.4BEquity
Loan mix
74%RE $14.4B15%C&I $3.0B11%Consumer $2.1BQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $16.7B32%Noninterest $7.9BQ2 2025Q2 2026

NIM

4.65%Q2 ’244.72%Q2 ’254.69%Q2 ’26+8%+5%

Non-interest income vs. expense

4.51%Q2 ’244.42%Q2 ’254.35%Q2 ’26+5%-1%

Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 43.0% share · #1 of 42 inst. · $8.7B of $20.2B

52.3% Benton
32.3% Washington
7.9% Tulsa
6.3% Pulaski

Executive Summary

  • Earnings: ROA of 0.55%, up 16 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.86% of loans (-1 bps YoY), with net charge-offs at 0.37%.
  • Capital: tier 1 leverage ratio of 9.11%, up 34 bps from a year ago.
  • Funding: loans stand at 83.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+19 bps YoY

Efficiency Ratio (YTD, annualized)

81.46%-350 bps YoY

Tier 1 Leverage Ratio

9.11%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.45%0.49%0.54%0.55%+16 bps
Return on Equity5.05%5.85%6.24%6.58%6.57%+152 bps
Net Interest Margin3.43%3.48%3.51%3.61%3.62%+19 bps
Efficiency Ratio84.97%84.01%83.77%83.03%81.46%-350 bps
Non-Interest Burden2.61%2.59%2.60%2.66%2.58%-2 bps
Growth
Asset Growth (YoY)4.05%2.47%3.32%3.27%2.58%-146 bps
Loan Growth (YoY)8.73%8.18%8.12%6.55%7.03%-170 bps
Deposit Growth (YoY)5.07%3.38%2.61%2.81%1.89%-318 bps
Asset Quality
Nonperforming Loans / Loans0.87%0.83%0.82%0.90%0.86%-1 bps
Net Charge-Offs / Loans0.31%0.32%0.31%0.28%0.37%+5 bps
Allowance / Loans1.13%1.12%1.10%1.09%1.07%-5 bps
Allowance Coverage of NPLs1.3x1.4x1.3x1.2x1.2x-0.1x
Capital
Tier 1 Leverage Ratio8.77%8.89%9.00%9.08%9.11%+34 bps
Total Risk-Based Capital12.31%12.39%12.46%12.59%12.48%+17 bps
Equity / Assets7.80%8.13%8.27%8.27%8.42%+61 bps
Liquidity & Funding
Loans / Deposits79.21%81.01%81.26%80.48%83.21%+400 bps
Liquid Assets / Assets1.39%1.07%2.57%2.65%0.39%-100 bps
CRE / Total Capitaln/a281%288%285%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 2026-10-10

Arvest Bank

Fayetteville, AR · Cert 8728 · Peer group: banks over $10B in assets (n=142-144) · Arvest Bank Group Inc.

State charter, Fed member · FED · 225 branches

Q2 2026

$28.1BAssets
$20.5BLoans
$24.6BDeposits
$2.4BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 70% of banks over $10B in assets (rank 43 of 144).
  • Widest gap: efficiency ratio trails 97% of banks over $10B in assets (rank 140 of 144).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.54%

Rank 137 of 144

Net Interest Margin

3.62%

Rank 43 of 144

Efficiency Ratio

81.59%

Rank 140 of 144

Equity / Assets

8.42%

Rank 125 of 144

Non-interest income vs. expense

$0.5B$1.3BINCOMEEXPENSE
Unfavorable gap of $0.7B · efficiency ratio beats 3% of banks over $10B in assets
Bank 81.59%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.54%1.00%1.26%1.54%Beats 5%137 / 144
Return on Equity6.47%8.98%11.34%14.40%Beats 10%130 / 144
Net Interest Margin3.62%2.82%3.31%3.68%Beats 70%43 / 144
Efficiency Ratio81.59%49.42%56.02%62.41%Beats 3%140 / 144
Asset Quality
Nonperforming Loans / Loans0.86%0.48%0.73%1.07%Beats 38%89 / 142
Net Charge-Offs / Loans0.22%0.05%0.11%0.22%Beats 25%108 / 142
Capital
Tier 1 Capital Ratio11.45%12.07%12.98%14.92%Beats 9%131 / 144
Total Risk-Based Capital Ratio12.48%13.39%14.14%16.25%Beats 8%133 / 144
Equity / Assets8.42%9.69%11.39%12.96%Beats 13%125 / 144
Liquidity & Funding
Loans / Deposits83.21%75.72%84.92%91.56%44th pctl80 / 143
Loans / Assets72.96%59.83%69.07%74.80%65th pctl51 / 144
Brokered Deposits / Depositsn/aNot reported for this institution