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BDI
SE

The State Exchange Bank

Lamont, OklahomaFDIC Cert #13551

STATEEstablished 19011 branch

Holding company: STATE EXCHANGE BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
7.33%
+147.5%y/y
Peer standing1st percentile
Peer standing in asset:lt_100m
FDICP3ASSET + LNLSGR
90+ %
0.24%
−92.7%y/y
Peer standing22nd percentile
Peer standing in asset:lt_100m
FDICP9ASSET + LNLSGR
Nonaccrual %
4.91%
−55.5%y/y
Peer standing4th percentile
Peer standing in asset:lt_100m
FDICNAASSET + LNLSGR
Noncurrent %
5.15%
−64.1%y/y
Peer standing5th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
3.53%
−69.7%y/y
Peer standing3rd percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$3.33M
−74.0%y/y
Peer standing2nd percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.99%
+736.2%y/y
Peer standing3rd percentile
Peer standing in asset:lt_100m
FDICNTLNLS + LNLSGR
NCO
$185K
+600.0%y/y
Peer standing1st percentile
Peer standing in asset:lt_100m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
2.75%
−4.5%y/y
Percentile by value92nd percentileby value
Peer standing in asset:lt_100m
FDICLNATRES + LNLSGR
30–89
$4.74M
+78.9%y/y
Peer standing0th percentile
Peer standing in asset:lt_100m
FDICP3ASSET
90+
$157K
−94.7%y/y
Peer standing14th percentile
Peer standing in asset:lt_100m
FDICP9ASSET
Nonaccrual
$3.18M
−67.8%y/y
Peer standing1st percentile
Peer standing in asset:lt_100m
FDICNAASSET