The First National Bank and Trust Co., Chickasha, Oklahoma

Chickasha, OklahomaFDIC Cert #4062

OCCEstablished 18929 branches

Holding company: FIRST INDEPENDENT BCORP INCRegulator: OCC

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	$95.7M
Investor CRE	$113M
Multifamily	$4.72M
Construction	$94.9M
1–4 family	$60.8M
C&I	$72.2M
Agriculture	$34.1M
Other	$55.7M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$531M

+3.1%y/y

Percentile by value4th percentileby value

FDICLNLSGR

Net loans

$524M

+3.2%y/y

Percentile by value4th percentileby value

FDICLNLSNET

Loans YoY

+3.20%

−7.9%y/y

Percentile by value33rd percentileby value

FDICLNLSNET

L/D

58.5%

+2.3%y/y

Percentile by value7th percentileby value

FDICLNLSNET + DEP

Loans/assets

49.1%

−0.1%y/y

Percentile by value6th percentileby value

FDICLNLSNET + ASSET

RE loans %

75.24%

+2.4%y/y

Percentile by value27th 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

1,444points

+0.5%y/y

Peer standing90th percentile

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

Owner CRE %

18.01%

+11.7%y/y

Percentile by value75th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

21.28%

+4.8%y/y

Percentile by value57th percentileby value

FDICLNRENROT + LNLSGR

C&I %

13.59%

−10.9%y/y

Percentile by value62nd percentileby value

FDICLNCI + LNLSGR