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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

$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

6.66%Q2 ’246.40%Q2 ’256.00%Q2 ’26-12%+8%

Non-interest income vs. expense

3.55%Q2 ’243.60%Q2 ’253.73%Q2 ’26+3%+7%

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 0.07%, up 65 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 2.85% of loans (+190 bps YoY), with net charge-offs at 1.02%.
  • 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 (quarter, annualized)

0.07%+65 bps YoY

Net Interest Margin (quarter, annualized)

4.54%+32 bps YoY

Efficiency Ratio (quarter, annualized)

77.82%-93 bps YoY

Tier 1 Leverage Ratio

9.20%+51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.58%0.68%0.94%0.82%0.07%+65 bps
Return on Equity-6.10%7.10%9.60%8.13%0.74%+683 bps
Net Interest Margin4.22%4.66%4.91%4.86%4.54%+32 bps
Efficiency Ratio78.75%71.19%63.69%68.18%77.82%-93 bps
Non-Interest Burden3.27%3.24%3.02%3.22%3.50%+23 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 / Loans0.54%0.25%0.40%1.98%1.02%+48 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