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First State Bank of Texas

Orange, TX · Cert 11922 · County Bancshares Inc.

State charter, non-member · FDIC · 6 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

4

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

25

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 Texas

Orange, TX · Cert 11922 · County Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$353.6MAssets
$259.5MLoans
$316.3MDeposits
$34.9MEquity
Loan mix
79%RE $203.6M18%C&I $46.3M3%Consumer $6.8MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $198.2M37%Noninterest $118.1MQ2 2025Q2 2026

NIM

6.57%Q2 ’246.26%Q2 ’256.34%Q2 ’26-15%+18%

Non-interest income vs. expense

3.44%Q2 ’243.57%Q2 ’253.73%Q2 ’26+6%+5%

Market Position · Beaumont-Port Arthur, TX · 2026 SOD (annual) · 1.5% share · #13 of 20 inst. · $0.1B of $7.7B

36.9% Live Oak
6.8% Orange
0.2% Montgomery
0.6% Jefferson

Executive Summary

  • Earnings: ROA of 0.45%, up 46 bps year over year; NIM at 4.79%.
  • Asset quality: problem loans at 2.85% of loans (+190 bps YoY), with net charge-offs at 1.50%.
  • Capital: tier 1 leverage ratio of 9.20%, up 51 bps from a year ago.
  • Funding: loans stand at 82.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%+46 bps YoY

Net Interest Margin (YTD, annualized)

4.79%+72 bps YoY

Efficiency Ratio (YTD, annualized)

72.68%-805 bps YoY

Tier 1 Leverage Ratio

9.20%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%0.22%0.41%0.82%0.45%+46 bps
Return on Equity-0.12%2.33%4.23%8.13%4.47%+459 bps
Net Interest Margin4.07%4.22%4.30%4.86%4.79%+72 bps
Efficiency Ratio80.73%77.23%73.39%68.18%72.68%-805 bps
Non-Interest Burden3.25%3.21%3.10%3.22%3.42%+17 bps
Growth
Asset Growth (YoY)22.73%19.86%9.24%0.51%1.07%-2,166 bps
Loan Growth (YoY)6.18%20.40%23.66%19.64%22.57%+1,638 bps
Deposit Growth (YoY)29.13%21.55%9.17%-0.29%0.44%-2,869 bps
Asset Quality
Nonperforming Loans / Loans0.94%1.00%0.83%0.47%2.85%+190 bps
Net Charge-Offs / Loans0.27%0.24%0.26%1.98%1.50%+123 bps
Allowance / Loans1.43%1.40%1.39%1.12%1.11%-32 bps
Allowance Coverage of NPLs1.5x1.4x1.7x2.4x0.4x-1.1x
Capital
Tier 1 Leverage Ratio8.69%9.05%9.11%9.11%9.20%+51 bps
Total Risk-Based Capital8.69%9.05%9.11%9.11%9.20%+51 bps
Equity / Assets9.36%9.85%9.83%10.30%9.87%+51 bps
Liquidity & Funding
Loans / Deposits67.22%74.70%79.16%83.12%82.03%+1,481 bps
Liquid Assets / Assets18.15%11.81%9.51%8.46%10.55%-760 bps
CRE / Total Capitaln/a454%484%486%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 Texas

Orange, TX · Cert 11922 · Peer group: banks under $1B in assets in TX (n=208-211) · County Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$353.6MAssets
$259.5MLoans
$316.3MDeposits
$34.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in TX (rank 21 of 211).
  • Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in TX (rank 207 of 208).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.45%

Rank 184 of 211

Net Interest Margin

4.79%

Rank 21 of 211

Efficiency Ratio

73.74%

Rank 160 of 211

Equity / Assets

9.87%

Rank 143 of 211

Non-interest income vs. expense

$1.1M$13.1MINCOMEEXPENSE
Unfavorable gap of $12.0M · efficiency ratio beats 25% of banks under $1B in assets in TX
Bank 73.74%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.45%0.87%1.20%1.65%Beats 13%184 / 211
Return on Equity4.57%7.52%11.67%14.58%Beats 15%180 / 211
Net Interest Margin4.79%3.28%3.82%4.31%Beats 90%21 / 211
Efficiency Ratio73.74%53.01%64.18%73.65%Beats 25%160 / 211
Asset Quality
Nonperforming Loans / Loans2.85%0.01%0.30%1.10%Beats 6%196 / 208
Net Charge-Offs / Loans0.90%0.00%0.01%0.06%Beats 1%207 / 208
Capital
Tier 1 Capital Ratio9.20%11.72%14.45%19.57%Beats 2%207 / 211
Total Risk-Based Capital Ratio9.20%11.94%14.78%20.30%Beats 2%207 / 211
Equity / Assets9.87%9.41%11.06%12.94%Beats 32%143 / 211
Liquidity & Funding
Loans / Deposits82.03%45.39%66.56%82.03%75th pctl52 / 208
Loans / Assets73.38%39.13%56.90%70.46%84th pctl34 / 211
Brokered Deposits / Depositsn/aNot reported for this institution