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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

$601.3MAssets
$305.5MLoans
$505.8MDeposits
$78.8MEquity
Loan mix
87%RE $170.5M12%C&I $22.5M1%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $372.6M26%Noninterest $133.2MQ2 2025Q2 2026

NIM

6.27%Q2 ’245.78%Q2 ’255.22%Q2 ’26-7%-12%

Non-interest income vs. expense

1.71%Q2 ’241.81%Q2 ’252.24%Q2 ’26+8%+32%

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 0.68%, down 103 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 1.28% of loans (+53 bps YoY), with net recoveries of 0.06%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.68%-103 bps YoY

Net Interest Margin (quarter, annualized)

2.95%-41 bps YoY

Efficiency Ratio (quarter, annualized)

70.78%+2,092 bps YoY

Tier 1 Leverage Ratio

14.22%-159 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.37%1.94%0.96%0.68%-103 bps
Return on Equity12.56%9.73%14.87%7.73%5.29%-727 bps
Net Interest Margin3.36%3.35%3.05%2.83%2.95%-41 bps
Efficiency Ratio49.85%52.10%52.78%58.68%70.78%+2,092 bps
Non-Interest Burden1.54%1.64%1.49%1.56%2.02%+49 bps
Growth
Asset Growth (YoY)11.63%16.58%8.69%6.30%9.07%-257 bps
Loan Growth (YoY)16.92%18.80%8.00%0.47%9.46%-746 bps
Deposit Growth (YoY)15.23%17.04%9.55%9.36%8.18%-705 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.29%0.26%2.28%1.28%+53 bps
Net Charge-Offs / Loans-0.22%-0.24%-0.11%-0.11%-0.06%+15 bps
Allowance / Loans2.00%2.02%1.40%1.57%1.56%-44 bps
Allowance Coverage of NPLs2.7x7.0x5.3x0.7x1.2x-1.4x
Capital
Tier 1 Leverage Ratio15.81%16.21%13.69%13.77%14.22%-159 bps
Total Risk-Based Capital25.14%23.95%20.76%22.02%21.82%-331 bps
Equity / Assets14.03%14.09%12.11%12.72%13.11%-92 bps
Liquidity & Funding
Loans / Deposits59.68%59.08%62.59%58.19%60.39%+71 bps
Liquid Assets / Assets4.41%4.77%4.34%6.00%5.53%+112 bps
CRE / Total Capitaln/a124.43%141.42%146.69%n/an/a