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First Security State Bank

Cranfills Gap, TX · Cert 11932 · Bosque Bancshares Inc.

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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

47

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 Security State Bank

Cranfills Gap, TX · Cert 11932 · Bosque Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$183.1MAssets
$73.3MLoans
$172.9MDeposits
$9.2MEquity
Loan mix
91%RE $60.0M5%C&I $3.0M5%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $126.2M27%Noninterest $46.6MQ2 2025Q2 2026

NIM

3.93%Q2 ’243.94%Q2 ’254.19%Q2 ’26-3%+9%

Non-interest income vs. expense

2.98%Q2 ’242.74%Q2 ’252.60%Q2 ’26-7%-11%

Market Position · Waco, TX · 2026 SOD (annual) · 1.7% share · #15 of 28 inst. · $0.1B of $8.9B

43.7% Bosque
3.5% Hill

Executive Summary

  • Earnings: ROA of 1.13%, up 39 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.02% of loans (+1 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 7.60%, up 20 bps from a year ago.
  • Funding: loans stand at 42.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+26 bps YoY

Efficiency Ratio (YTD, annualized)

64.75%-992 bps YoY

Tier 1 Leverage Ratio

7.60%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.79%0.85%1.10%1.13%+39 bps
Return on Equity20.64%20.04%20.08%20.67%21.66%+102 bps
Net Interest Margin2.99%2.95%3.04%3.25%3.26%+26 bps
Efficiency Ratio74.67%73.13%71.68%65.35%64.75%-992 bps
Non-Interest Burden2.05%1.96%1.97%1.84%1.83%-22 bps
Growth
Asset Growth (YoY)10.21%11.90%7.76%4.76%-1.59%-1,180 bps
Loan Growth (YoY)-6.00%-3.09%-0.35%0.26%3.99%+1,000 bps
Deposit Growth (YoY)4.22%8.45%3.87%3.24%6.57%+234 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.11%0.46%0.02%0.02%+1 bps
Net Charge-Offs / Loans0.05%0.04%0.03%0.01%0.02%-3 bps
Allowance / Loans1.07%1.04%1.02%1.05%1.02%-5 bps
Allowance Coverage of NPLs251.0x9.7x2.2x68.8x68.2x-182.8x
Capital
Tier 1 Leverage Ratio7.40%7.28%7.45%7.63%7.60%+20 bps
Total Risk-Based Capital19.86%20.05%20.10%20.69%20.97%+111 bps
Equity / Assets3.80%4.97%5.33%5.34%5.03%+123 bps
Liquidity & Funding
Loans / Deposits43.44%43.07%43.93%42.39%42.39%-105 bps
Liquid Assets / Assets15.08%16.34%13.89%14.85%14.67%-41 bps
CRE / Total Capitaln/a70.56%71.79%68.01%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 Security State Bank

Cranfills Gap, TX · Cert 11932 · Peer group: banks under $1B in assets in TX (n=208-211) · Bosque Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$183.1MAssets
$73.3MLoans
$172.9MDeposits
$9.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 97% of banks under $1B in assets in TX (rank 7 of 211).
  • Widest gap: equity / assets trails 99% of banks under $1B in assets in TX (rank 209 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.13%

Rank 116 of 211

Net Interest Margin

3.26%

Rank 162 of 211

Efficiency Ratio

64.75%

Rank 113 of 211

Equity / Assets

5.03%

Rank 209 of 211

Non-interest income vs. expense

$1.4M$4.8MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 47% of banks under $1B in assets in TX
Bank 64.75%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.87%1.20%1.65%Beats 45%116 / 211
Return on Equity22.42%7.52%11.67%14.58%Beats 97%7 / 211
Net Interest Margin3.26%3.28%3.82%4.31%Beats 23%162 / 211
Efficiency Ratio64.75%53.01%64.18%73.65%Beats 47%113 / 211
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.30%1.10%Beats 74%55 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 49%108 / 208
Capital
Tier 1 Capital Ratio19.90%11.72%14.45%19.57%Beats 76%51 / 211
Total Risk-Based Capital Ratio20.97%11.94%14.78%20.30%Beats 76%51 / 211
Equity / Assets5.03%9.41%11.06%12.94%Beats 1%209 / 211
Liquidity & Funding
Loans / Deposits42.39%45.39%66.56%82.03%20th pctl166 / 208
Loans / Assets40.03%39.13%56.90%70.46%26th pctl157 / 211
Brokered Deposits / Depositsn/aNot reported for this institution