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First State Bank of Ben Wheeler, Texas

Ben Wheeler, TX · Cert 11904

State charter, non-member · FDIC · 4 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 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

63

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

First State Bank of Ben Wheeler, Texas

Ben Wheeler, TX · Cert 11904

State charter, non-member · FDIC · 4 branches

Q2 2026

$185.1MAssets
$67.1MLoans
$156.1MDeposits
$28.8MEquity
Loan mix
78%RE $49.9M15%C&I $9.3M7%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $114.8M26%Noninterest $41.3MQ2 2025Q2 2026

NIM

3.67%Q2 ’244.03%Q2 ’254.27%Q2 ’26+14%+9%

Non-interest income vs. expense

2.16%Q2 ’242.45%Q2 ’252.30%Q2 ’26+15%-10%

Executive Summary

  • Earnings: ROA of 1.18%, up 29 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.07% of loans (+7 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 15.66%, up 59 bps from a year ago.
  • Funding: loans stand at 42.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+24 bps YoY

Efficiency Ratio (YTD, annualized)

58.77%-843 bps YoY

Tier 1 Leverage Ratio

15.66%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.94%0.87%1.26%1.18%+29 bps
Return on Equity6.07%6.27%5.79%8.33%7.76%+169 bps
Net Interest Margin2.87%2.93%2.90%3.04%3.11%+24 bps
Efficiency Ratio67.21%66.34%68.24%53.66%58.77%-843 bps
Non-Interest Burden1.67%1.69%1.74%1.26%1.50%-17 bps
Growth
Asset Growth (YoY)-3.55%-2.35%-0.96%0.66%1.90%+545 bps
Loan Growth (YoY)-1.39%-1.45%-0.10%-2.79%-2.41%-102 bps
Deposit Growth (YoY)-4.68%-3.37%-1.70%0.11%1.47%+615 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.01%0.05%0.07%+7 bps
Net Charge-Offs / Loans-0.05%-0.06%-0.05%-0.01%-0.04%+1 bps
Allowance / Loans1.49%1.51%1.51%1.54%1.57%+8 bps
Allowance Coverage of NPLsn/an/a149.0x33.7x22.0xn/a
Capital
Tier 1 Leverage Ratio15.07%15.52%15.06%15.30%15.66%+59 bps
Total Risk-Based Capital15.07%15.52%15.06%15.30%15.66%+59 bps
Equity / Assets15.23%15.49%15.04%15.17%15.58%+36 bps
Liquidity & Funding
Loans / Deposits44.68%45.03%44.28%42.65%42.97%-171 bps
Liquid Assets / Assets56.45%55.06%53.96%55.89%55.64%-81 bps
CRE / Total Capitaln/a40.51%45.13%44.48%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

First State Bank of Ben Wheeler, Texas

Ben Wheeler, TX · Cert 11904 · Peer group: banks under $1B in assets in TX (n=208-211)

State charter, non-member · FDIC · 4 branches

Q2 2026

$185.1MAssets
$67.1MLoans
$156.1MDeposits
$28.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 87% of banks under $1B in assets in TX (rank 28 of 211).
  • Widest gap: net interest margin trails 81% of banks under $1B in assets in TX (rank 171 of 211).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.19%

Rank 109 of 211

Net Interest Margin

3.11%

Rank 171 of 211

Efficiency Ratio

58.77%

Rank 79 of 211

Equity / Assets

15.58%

Rank 28 of 211

Non-interest income vs. expense

$1.5M$4.2MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 63% of banks under $1B in assets in TX
Bank 58.77%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%0.87%1.20%1.65%Beats 48%109 / 211
Return on Equity7.61%7.52%11.67%14.58%Beats 26%156 / 211
Net Interest Margin3.11%3.28%3.82%4.31%Beats 19%171 / 211
Efficiency Ratio58.77%53.01%64.18%73.65%Beats 63%79 / 211
Asset Quality
Nonperforming Loans / Loans0.07%0.01%0.30%1.10%Beats 64%75 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 57%91 / 208
Capital
Tier 1 Capital Ratio15.66%11.72%14.45%19.57%Beats 58%88 / 211
Total Risk-Based Capital Ratio15.66%11.94%14.78%20.30%Beats 55%96 / 211
Equity / Assets15.58%9.41%11.06%12.94%Beats 87%28 / 211
Liquidity & Funding
Loans / Deposits42.97%45.39%66.56%82.03%23rd pctl161 / 208
Loans / Assets36.24%39.13%56.90%70.46%20th pctl169 / 211
Brokered Deposits / Depositsn/aNot reported for this institution