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Wisdom Heritage Bank

Alva, OK · Cert 9465 · Grace Inv Co. Inc. Esop the

State charter, Fed member · FED · 6 branches

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=88 to 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

43

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

Wisdom Heritage Bank

Alva, OK · Cert 9465 · Grace Inv Co. Inc. Esop the

State charter, Fed member · FED · 6 branches

Q2 2026

$601.3MAssets
$305.5MLoans
$505.8MDeposits
$78.8MEquity
Loan mix
87%RE $170.5M12%C&I $22.5M1%Consumer $2.3MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $372.6M26%Noninterest $133.2MQ3 2024Q2 2026

Market Position · Enid, OK · 2026 SOD (annual) · 0.9% share · #8 of 14 inst. · $0.1B of $5.8B

50.1% Woods
34.6% Barber
0.9% Garfield
10.0% Blaine

Executive Summary

  • Earnings: ROA of 0.82%, down 89 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 1.28% of loans (+53 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 14.22%, down 159 bps from a year ago.
  • Funding: loans stand at 60.39% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.82%-89 bps YoY

Net Interest Margin (YTD, annualized)

2.90%-61 bps YoY

Efficiency Ratio (YTD, annualized)

64.78%+1,756 bps YoY

Tier 1 Leverage Ratio

14.22%-159 bps YoY

NIM

6.27%Q2 ’245.98%Q2 ’255.22%Q2 ’26-3%-17%

Non-interest income vs. expense

1.54%Q2 ’241.78%Q2 ’252.03%Q2 ’26+20%+19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.64%1.71%1.71%1.58%1.67%0.96%0.82%-89 bps
Return on Equity14.51%13.41%13.54%13.05%11.85%12.81%7.73%6.48%-658 bps
Net Interest Margin3.42%3.39%3.62%3.51%3.45%3.14%2.83%2.90%-61 bps
Efficiency Ratio42.86%49.88%44.77%47.22%48.79%49.77%58.68%64.78%+1,756 bps
Non-Interest Burden1.30%1.54%1.48%1.52%1.55%1.44%1.56%1.80%+28 bps
Growth
Asset Growth (YoY)8.26%19.42%10.92%11.63%16.58%8.69%6.30%9.07%-257 bps
Loan Growth (YoY)0.53%18.92%15.58%16.92%18.80%8.00%0.47%9.46%-746 bps
Deposit Growth (YoY)6.55%17.16%11.90%15.23%17.04%9.55%9.36%8.18%-705 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.33%0.34%0.75%0.29%0.26%2.28%1.28%+53 bps
Net Charge-Offs / Loans-0.04%-0.09%-0.22%-0.23%-0.23%-0.17%-0.11%-0.09%+14 bps
Allowance / Loans2.07%1.82%1.91%2.00%2.02%1.40%1.57%1.56%-44 bps
Allowance Coverage of NPLs2.6x5.5x5.6x2.7x7.0x5.3x0.7x1.2x-1.4x
Capital
Tier 1 Leverage Ratio14.71%14.10%15.10%15.81%16.21%13.69%13.77%14.22%-159 bps
Total Risk-Based Capital24.30%21.75%23.59%25.14%23.95%20.76%22.02%21.82%-331 bps
Equity / Assets13.43%12.07%13.17%14.03%14.09%12.11%12.72%13.11%-92 bps
Liquidity & Funding
Loans / Deposits58.20%63.49%63.34%59.68%59.08%62.59%58.19%60.39%+71 bps
Liquid Assets / Assets5.96%4.71%4.85%4.41%4.77%4.34%6.00%5.53%+112 bps
CRE / Total Capitaln/an/an/an/a124.43%141.42%146.69%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

Wisdom Heritage Bank

Alva, OK · Cert 9465 · Peer group: banks under $1B in assets in OK (n=88-89) · Grace Inv Co. Inc. Esop the

State charter, Fed member · FED · 6 branches

Q2 2026

$601.3MAssets
$305.5MLoans
$505.8MDeposits
$78.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets in OK (rank 85 of 89).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.83%

Rank 69 of 89

Net Interest Margin

2.90%

Rank 85 of 89

Efficiency Ratio

64.78%

Rank 52 of 89

Equity / Assets

13.11%

Rank 25 of 89

Non-interest income vs. expense

$1.4M$12.4MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 43% of banks under $1B in assets in OK
Bank 64.78%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.83%0.85%1.26%1.60%Beats 22%69 / 89
Return on Equity6.34%7.40%11.89%14.65%Beats 19%72 / 89
Net Interest Margin2.90%3.46%3.93%4.45%Beats 4%85 / 89
Efficiency Ratio64.78%54.70%60.95%71.14%Beats 43%52 / 89
Asset Quality
Nonperforming Loans / Loans1.28%0.30%0.82%2.25%Beats 43%51 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio20.69%10.89%13.00%16.33%Beats 89%10 / 89
Total Risk-Based Capital Ratio21.82%11.20%13.06%16.33%Beats 90%9 / 89
Equity / Assets13.11%9.26%10.94%13.52%Beats 72%25 / 89
Liquidity & Funding
Loans / Deposits60.39%61.51%72.27%84.01%24th pctl67 / 88
Loans / Assets50.79%52.51%63.15%71.27%24th pctl68 / 89
Brokered Deposits / Depositsn/aNot reported for this institution