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Valor Bank

Edmond, OK · Cert 9467 · First of Grandfield Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Oklahoma City, OK area3

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 the Oklahoma City, OK area (n=25). 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

91

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

68

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

Valor Bank

Edmond, OK · Cert 9467 · First of Grandfield Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$302.6MAssets
$263.8MLoans
$262.1MDeposits
$26.2MEquity
Loan mix
98%RE $259.0M2%C&I $4.0M0%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $228.9M13%Noninterest $33.1MQ2 2025Q2 2026

NIM

6.80%Q2 ’247.02%Q2 ’257.05%Q2 ’26+16%+10%

Non-interest income vs. expense

3.15%Q2 ’243.04%Q2 ’253.24%Q2 ’26+2%+16%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.4% share · #42 of 71 inst. · $0.3B of $60.8B

Executive Summary

  • Earnings: ROA of 1.76%, up 11 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.32% of loans (+25 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.70%, up 58 bps from a year ago.
  • Funding: loans stand at 100.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.76%+11 bps YoY

Net Interest Margin (YTD, annualized)

4.60%+43 bps YoY

Efficiency Ratio (YTD, annualized)

58.61%+40 bps YoY

Tier 1 Leverage Ratio

8.70%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.82%1.79%1.57%1.76%+11 bps
Return on Equity20.91%22.35%21.58%18.12%20.32%-59 bps
Net Interest Margin4.17%4.34%4.39%4.54%4.60%+43 bps
Efficiency Ratio58.21%57.10%57.43%60.26%58.61%+40 bps
Non-Interest Burden1.99%1.98%2.04%2.40%2.31%+32 bps
Growth
Asset Growth (YoY)13.01%2.72%6.76%7.47%6.48%-653 bps
Loan Growth (YoY)15.74%3.21%7.58%6.66%6.50%-924 bps
Deposit Growth (YoY)10.22%4.53%3.21%6.11%3.52%-670 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.08%0.00%0.00%0.32%+25 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.86%0.90%0.87%0.87%0.87%+1 bps
Allowance Coverage of NPLs13.9x11.4x730.0x1144.0x2.7x-11.2x
Capital
Tier 1 Leverage Ratio8.12%8.66%9.05%8.97%8.70%+58 bps
Total Risk-Based Capital12.50%13.60%13.14%12.96%13.18%+68 bps
Equity / Assets8.01%8.86%8.80%8.55%8.64%+64 bps
Liquidity & Funding
Loans / Deposits97.86%96.10%102.69%99.07%100.68%+282 bps
Liquid Assets / Assets10.69%10.94%10.39%11.99%10.77%+8 bps
CRE / Total Capitaln/a437%438%464%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

Valor Bank

Edmond, OK · Cert 9467 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · First of Grandfield Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$302.6MAssets
$263.8MLoans
$262.1MDeposits
$26.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 96% of banks under $1B in assets in the Oklahoma City, OK area (rank 1 of 25).
  • Widest gap: equity / assets trails 76% of banks under $1B in assets in the Oklahoma City, OK area (rank 19 of 25).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.73%

Rank 3 of 25

Net Interest Margin

4.60%

Rank 3 of 25

Efficiency Ratio

58.61%

Rank 9 of 25

Equity / Assets

8.64%

Rank 19 of 25

Non-interest income vs. expense

$2.8M$9.7MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 68% of banks under $1B in assets in the Oklahoma City, OK area
Bank 58.61%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.73%0.60%0.90%1.27%Beats 88%3 / 25
Return on Equity20.07%6.92%9.16%13.29%Beats 96%1 / 25
Net Interest Margin4.60%3.56%3.82%4.10%Beats 88%3 / 25
Efficiency Ratio58.61%56.35%63.12%79.22%Beats 68%9 / 25
Asset Quality
Nonperforming Loans / Loans0.32%0.33%0.76%2.35%Beats 80%6 / 25
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 64%10 / 25
Capital
Tier 1 Capital Ratio12.02%10.27%12.02%13.99%Beats 48%13 / 25
Total Risk-Based Capital Ratio13.18%10.27%12.44%15.25%Beats 60%10 / 25
Equity / Assets8.64%8.64%10.07%11.05%Beats 24%19 / 25
Liquidity & Funding
Loans / Deposits100.68%70.71%82.03%97.03%80th pctl5 / 25
Loans / Assets87.20%62.67%74.54%84.24%92nd pctl2 / 25
Brokered Deposits / Depositsn/aNot reported for this institution