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Buckholts State Bank, The

Buckholts, TX · Cert 11916

State charter, non-member · FDIC · 3 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

89

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

96

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

Buckholts State Bank, The

Buckholts, TX · Cert 11916

State charter, non-member · FDIC · 3 branches

Q2 2026

$138.8MAssets
$86.9MLoans
$114.4MDeposits
$24.3MEquity
Loan mix
36%RE $29.1M62%C&I $51.0M2%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $73.7M36%Noninterest $40.7MQ3 2024Q2 2026

Market Position · Killeen-Temple, TX · 2026 SOD (annual) · 0.6% share · #19 of 23 inst. · $0.0B of $7.0B

12.1% Milam
0.8% Bell

Executive Summary

  • Earnings: ROA of 2.27%, unchanged from a year ago; NIM at 4.33%.
  • Asset quality: problem loans at 0.02% of loans (-51 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.62%, up 39 bps from a year ago.
  • Funding: loans stand at 75.98% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.27%0 bps YoY

Net Interest Margin (YTD, annualized)

4.33%-5 bps YoY

Efficiency Ratio (YTD, annualized)

36.11%-150 bps YoY

Tier 1 Leverage Ratio

17.62%+39 bps YoY

NIM

5.46%Q2 ’245.52%Q2 ’255.35%Q2 ’260%-1%

Non-interest income vs. expense

1.77%Q2 ’241.73%Q2 ’251.63%Q2 ’26-2%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.23%2.12%2.19%2.27%2.31%2.30%2.26%2.27%0 bps
Return on Equity13.30%12.56%12.84%13.33%13.49%13.37%12.96%13.00%-33 bps
Net Interest Margin4.28%4.25%4.35%4.38%4.31%4.17%4.28%4.33%-5 bps
Efficiency Ratio38.23%41.87%38.89%37.62%36.33%38.45%36.05%36.11%-150 bps
Non-Interest Burden1.51%1.66%1.56%1.52%1.44%1.49%1.43%1.45%-7 bps
Growth
Asset Growth (YoY)4.44%5.36%9.58%9.45%8.23%9.75%8.45%7.59%-186 bps
Loan Growth (YoY)0.79%2.18%1.80%3.46%6.25%3.61%5.19%7.58%+412 bps
Deposit Growth (YoY)3.24%4.42%9.42%9.23%7.70%9.33%7.88%7.04%-219 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.56%0.55%0.53%0.50%0.10%0.00%0.02%-51 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.90%0.88%0.87%0.86%0.85%0.85%0.83%0.81%-6 bps
Allowance Coverage of NPLs1.5x1.6x1.6x1.6x1.7x8.6x700.0x38.9x+37.3x
Capital
Tier 1 Leverage Ratio17.05%17.21%17.18%17.24%17.44%16.88%17.35%17.62%+39 bps
Total Risk-Based Capital27.77%27.86%28.28%28.79%29.08%30.18%29.55%28.92%+13 bps
Equity / Assets16.78%17.28%16.82%17.05%17.21%17.63%17.27%17.48%+44 bps
Liquidity & Funding
Loans / Deposits76.50%78.92%75.84%75.60%75.48%74.79%73.95%75.98%+38 bps
Liquid Assets / Assets35.28%33.38%35.42%35.97%36.41%37.01%37.19%35.88%-8 bps
CRE / Total Capitaln/an/an/an/a30.27%28.48%28.89%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

Buckholts State Bank, The

Buckholts, TX · Cert 11916 · Peer group: banks under $1B in assets in TX (n=208-211)

State charter, non-member · FDIC · 3 branches

Q2 2026

$138.8MAssets
$86.9MLoans
$114.4MDeposits
$24.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: return on equity trails 38% of banks under $1B in assets in TX (rank 81 of 211).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.24%

Rank 11 of 211

Net Interest Margin

4.33%

Rank 50 of 211

Efficiency Ratio

36.11%

Rank 10 of 211

Equity / Assets

17.48%

Rank 15 of 211

Non-interest income vs. expense

$0.2M$2.2MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 96% of banks under $1B in assets in TX
Bank 36.11%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.24%0.87%1.20%1.65%Beats 95%11 / 211
Return on Equity12.83%7.52%11.67%14.58%Beats 62%81 / 211
Net Interest Margin4.33%3.28%3.82%4.31%Beats 76%50 / 211
Efficiency Ratio36.11%53.01%64.18%73.65%Beats 96%10 / 211
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.30%1.10%Beats 74%56 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio28.11%11.72%14.45%19.57%Beats 87%27 / 211
Total Risk-Based Capital Ratio28.92%11.94%14.78%20.30%Beats 87%28 / 211
Equity / Assets17.48%9.41%11.06%12.94%Beats 93%15 / 211
Liquidity & Funding
Loans / Deposits75.98%45.39%66.56%82.03%65th pctl72 / 208
Loans / Assets62.60%39.13%56.90%70.46%60th pctl84 / 211
Brokered Deposits / Depositsn/aNot reported for this institution