The First Bank of Okarche

Okarche, OklahomaFDIC Cert #1165

STATEEstablished 18921 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$0
Investor CRE	$1.22M
Multifamily	$0
Construction	$561K
1–4 family	$5M
C&I	$4.87M
Agriculture	$41.3M
Other	$1.81M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$54.8M

+6.6%y/y

Percentile by value8th percentileby value

FDICLNLSGR

Net loans

$53.7M

+6.7%y/y

Percentile by value8th percentileby value

FDICLNLSNET

Loans YoY

+6.67%

+147.8%y/y

Percentile by value58th percentileby value

FDICLNLSNET

L/D

46.6%

+7.9%y/y

Percentile by value10th percentileby value

FDICLNLSNET + DEP

Loans/assets

38.9%

+6.1%y/y

Percentile by value9th percentileby value

FDICLNLSNET + ASSET

RE loans %

21.86%

−10.9%y/y

Percentile by value1st percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

4,608points

+15.7%y/y

Peer standing10th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

2.24%

−15.7%y/y

Percentile by value21st percentileby value

FDICLNRENROT + LNLSGR

C&I %

8.89%

−22.3%y/y

Percentile by value48th percentileby value

FDICLNCI + LNLSGR