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Crowell State Bank

Crowell, TX · Cert 10352 · Crowell Bancshares Inc.

State charter, Fed member · FED · 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 TX3

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 TX (n=208 to 211). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

78

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

Crowell State Bank

Crowell, TX · Cert 10352 · Crowell Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$57.5MAssets
$28.6MLoans
$51.0MDeposits
$6.0MEquity
Loan mix
58%RE $12.7M29%C&I $6.3M14%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
56%Interest-bearing $28.7M44%Noninterest $22.3MQ2 2025Q2 2026

NIM

5.42%Q2 ’245.69%Q2 ’255.81%Q2 ’26+4%+3%

Non-interest income vs. expense

3.14%Q2 ’243.02%Q2 ’252.80%Q2 ’26-2%-5%

Executive Summary

  • Earnings: ROA of 1.95%, up 20 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 0.89% of loans (+89 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.99%, up 36 bps from a year ago.
  • Funding: loans stand at 56.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.95%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.80%+16 bps YoY

Efficiency Ratio (YTD, annualized)

52.51%-478 bps YoY

Tier 1 Leverage Ratio

10.99%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.84%1.64%2.04%1.95%+20 bps
Return on Equity17.44%17.72%15.75%19.56%18.68%+125 bps
Net Interest Margin4.65%4.76%4.94%4.86%4.80%+16 bps
Efficiency Ratio57.28%55.59%59.78%51.93%52.51%-478 bps
Non-Interest Burden2.39%2.37%2.69%2.24%2.27%-12 bps
Growth
Asset Growth (YoY)9.78%16.68%5.86%5.39%3.78%-600 bps
Loan Growth (YoY)12.18%8.46%14.47%11.74%9.55%-263 bps
Deposit Growth (YoY)9.36%17.26%5.03%4.95%3.41%-595 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.15%0.15%0.65%0.89%+89 bps
Net Charge-Offs / Loans-0.26%-0.16%-0.02%0.00%0.07%+33 bps
Allowance / Loans0.92%0.97%0.96%0.91%0.98%+6 bps
Allowance Coverage of NPLsn/a6.6x6.5x1.4x1.1xn/a
Capital
Tier 1 Leverage Ratio10.63%11.12%10.70%10.93%10.99%+36 bps
Total Risk-Based Capital10.63%11.12%10.70%10.93%10.99%+36 bps
Equity / Assets10.30%11.37%10.43%10.40%10.52%+22 bps
Liquidity & Funding
Loans / Deposits52.97%56.97%58.27%58.72%56.11%+315 bps
Liquid Assets / Assets21.19%19.98%17.82%19.93%19.50%-169 bps
CRE / Total Capitaln/a31.29%34.01%32.85%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

Crowell State Bank

Crowell, TX · Cert 10352 · Peer group: banks under $1B in assets in TX (n=208-211) · Crowell Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$57.5MAssets
$28.6MLoans
$51.0MDeposits
$6.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 91% of banks under $1B in assets in TX (rank 20 of 211).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in TX (rank 172 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.91%

Rank 23 of 211

Net Interest Margin

4.80%

Rank 20 of 211

Efficiency Ratio

52.51%

Rank 48 of 211

Equity / Assets

10.52%

Rank 125 of 211

Non-interest income vs. expense

$0.3M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 78% of banks under $1B in assets in TX
Bank 52.51%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.91%0.87%1.20%1.65%Beats 89%23 / 211
Return on Equity18.18%7.52%11.67%14.58%Beats 91%20 / 211
Net Interest Margin4.80%3.28%3.82%4.31%Beats 91%20 / 211
Efficiency Ratio52.51%53.01%64.18%73.65%Beats 78%48 / 211
Asset Quality
Nonperforming Loans / Loans0.89%0.01%0.30%1.10%Beats 29%148 / 208
Net Charge-Offs / Loans0.04%0.00%0.01%0.06%Beats 32%143 / 208
Capital
Tier 1 Capital Ratio10.99%11.72%14.45%19.57%Beats 19%171 / 211
Total Risk-Based Capital Ratio10.99%11.94%14.78%20.30%Beats 18%172 / 211
Equity / Assets10.52%9.41%11.06%12.94%Beats 41%125 / 211
Liquidity & Funding
Loans / Deposits56.11%45.39%66.56%82.03%33rd pctl140 / 208
Loans / Assets49.76%39.13%56.90%70.46%34th pctl140 / 211
Brokered Deposits / Depositsn/aNot reported for this institution