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Bank 360

Cordell, OK · Cert 9875 · Rocky Financial Corp.

State charter, non-member · FDIC · 2 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

39

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

Bank 360

Cordell, OK · Cert 9875 · Rocky Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$61.0MAssets
$52.5MLoans
$52.7MDeposits
$5.6MEquity
Loan mix
90%RE $48.5M8%C&I $4.1M2%Consumer $1.3MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $42.1M20%Noninterest $10.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.28%, down 28 bps year over year; NIM at 4.84%.
  • Asset quality: problem loans at 3.97% of loans (-19 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.36%, up 53 bps from a year ago.
  • Funding: loans stand at 99.63% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.28%-28 bps YoY

Net Interest Margin (YTD, annualized)

4.84%+1 bps YoY

Efficiency Ratio (YTD, annualized)

65.89%+491 bps YoY

Tier 1 Leverage Ratio

9.36%+53 bps YoY

NIM

7.87%Q2 ’247.74%Q2 ’257.30%Q2 ’26+4%+0%

Non-interest income vs. expense

3.09%Q2 ’243.11%Q2 ’253.38%Q2 ’26+2%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.41%1.83%1.55%1.35%1.20%1.31%1.28%-28 bps
Return on Equity17.38%16.08%21.46%17.93%15.56%13.75%14.46%13.97%-395 bps
Net Interest Margin4.52%4.48%4.95%4.82%4.64%4.52%4.63%4.84%+1 bps
Efficiency Ratio61.71%63.90%55.74%60.98%64.57%68.01%63.78%65.89%+491 bps
Non-Interest Burden2.62%2.72%2.65%2.84%2.90%2.99%2.86%3.08%+25 bps
Growth
Asset Growth (YoY)9.75%11.39%10.41%4.07%2.89%1.26%-6.70%-1.46%-554 bps
Loan Growth (YoY)-0.98%-1.97%-3.55%-5.27%-2.12%4.82%13.23%12.25%+1,752 bps
Deposit Growth (YoY)10.39%12.39%11.15%3.94%2.60%0.71%-8.13%-2.21%-615 bps
Asset Quality
Nonperforming Loans / Loans1.99%2.16%4.18%4.16%4.34%4.09%3.88%3.97%-19 bps
Net Charge-Offs / Loans-0.01%-0.02%-0.02%-0.02%-0.02%-0.02%-0.02%-0.02%0 bps
Allowance / Loans1.06%1.08%1.12%1.18%1.16%1.10%1.05%1.11%-6 bps
Allowance Coverage of NPLs0.5x0.5x0.3x0.3x0.3x0.3x0.3x0.3x0.0x
Capital
Tier 1 Leverage Ratio8.78%8.65%8.56%8.83%8.88%8.86%9.08%9.36%+53 bps
Total Risk-Based Capital8.78%15.53%18.35%16.19%17.18%16.57%15.78%9.36%-683 bps
Equity / Assets8.64%8.56%8.53%8.90%8.79%8.84%9.36%9.25%+35 bps
Liquidity & Funding
Loans / Deposits91.88%89.95%86.37%86.80%87.66%93.62%106.46%99.63%+1,283 bps
Liquid Assets / Assets0.02%0.02%0.04%0.00%0.02%0.04%0.02%0.01%+1 bps
CRE / Total Capitaln/an/an/an/a323%348%362%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

Bank 360

Cordell, OK · Cert 9875 · Peer group: banks under $1B in assets in OK (n=88-89) · Rocky Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$61.0MAssets
$52.5MLoans
$52.7MDeposits
$5.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in OK (rank 86 of 89).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.28%

Rank 43 of 89

Net Interest Margin

4.84%

Rank 15 of 89

Efficiency Ratio

65.89%

Rank 55 of 89

Equity / Assets

9.25%

Rank 68 of 89

Non-interest income vs. expense

$0.2M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 39% of banks under $1B in assets in OK
Bank 65.89%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.28%0.85%1.26%1.60%Beats 52%43 / 89
Return on Equity13.88%7.40%11.89%14.65%Beats 69%28 / 89
Net Interest Margin4.84%3.46%3.93%4.45%Beats 83%15 / 89
Efficiency Ratio65.89%54.70%60.95%71.14%Beats 39%55 / 89
Asset Quality
Nonperforming Loans / Loans3.97%0.30%0.82%2.25%Beats 12%78 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio9.36%10.89%13.00%16.33%Beats 3%86 / 89
Total Risk-Based Capital Ratio9.36%11.20%13.06%16.33%Beats 3%86 / 89
Equity / Assets9.25%9.26%10.94%13.52%Beats 24%68 / 89
Liquidity & Funding
Loans / Deposits99.63%61.51%72.27%84.01%95th pctl4 / 88
Loans / Assets86.08%52.51%63.15%71.27%96th pctl4 / 89
Brokered Deposits / Depositsn/aNot reported for this institution