PackageTrendsPeer
Letter portraitLegal landscape

First Texas Bank

Georgetown, TX · Cert 11935 · First Texas Bcorp Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

95

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 Texas Bank

Georgetown, TX · Cert 11935 · First Texas Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 11 branches (13 in holding)

Q2 2026

$1.3BAssets
$573.5MLoans
$1.2BDeposits
$144.7MEquity
Loan mix
95%RE $554.0M4%C&I $21.8M2%Consumer $9.3MQ3 2024Q2 2026
Deposit mix
57%Interest-bearing $657.3M43%Noninterest $502.3MQ3 2024Q2 2026

Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 1.1% share · #14 of 73 inst. · $0.8B of $70.4B

5.6% Williamson
5.1% Bell
7.6% Coryell
0.1% Travis

Executive Summary

  • Earnings: ROA of 1.85%, up 51 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.58% of loans (-50 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.25%, up 35 bps from a year ago.
  • Funding: loans stand at 49.45% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.85%+51 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+65 bps YoY

Efficiency Ratio (YTD, annualized)

41.11%-731 bps YoY

Tier 1 Leverage Ratio

11.25%+35 bps YoY

NIM

3.32%Q2 ’243.80%Q2 ’254.34%Q2 ’26+17%+22%

Non-interest income vs. expense

1.45%Q2 ’241.60%Q2 ’251.64%Q2 ’26+9%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.58%1.28%1.34%1.45%1.54%1.78%1.85%+51 bps
Return on Equity10.87%15.08%11.94%12.52%13.61%14.37%16.18%16.84%+432 bps
Net Interest Margin2.57%2.80%2.92%2.98%3.10%3.20%3.54%3.63%+65 bps
Efficiency Ratio50.91%52.39%50.04%48.42%45.95%44.42%42.09%41.11%-731 bps
Non-Interest Burden1.16%1.31%1.29%1.27%1.25%1.24%1.28%1.27%0 bps
Growth
Asset Growth (YoY)-1.85%49.38%47.86%49.23%54.47%1.13%1.07%-0.53%-4,975 bps
Loan Growth (YoY)4.63%66.41%66.06%69.54%75.74%13.26%10.48%4.04%-6,551 bps
Deposit Growth (YoY)0.48%50.40%53.44%48.36%54.37%0.80%0.83%-0.90%-4,926 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.02%1.08%0.02%0.06%0.06%0.58%-50 bps
Net Charge-Offs / Loans0.05%0.03%0.00%0.00%0.00%0.00%0.01%0.01%+1 bps
Allowance / Loans0.52%0.50%0.49%0.49%0.48%0.49%0.50%0.50%+1 bps
Allowance Coverage of NPLs57.1xn/a20.3x0.5x22.6x7.8x8.0x0.9x+0.4x
Capital
Tier 1 Leverage Ratio10.60%10.83%10.96%10.90%10.83%10.92%11.14%11.25%+35 bps
Total Risk-Based Capital20.14%20.46%20.67%19.95%19.54%19.85%20.16%20.89%+94 bps
Equity / Assets10.62%10.77%10.66%10.69%10.53%11.09%10.86%11.05%+36 bps
Liquidity & Funding
Loans / Deposits42.49%45.70%45.37%47.10%48.38%51.35%49.71%49.45%+235 bps
Liquid Assets / Assets54.98%51.02%51.53%49.68%48.66%45.98%47.32%46.54%-314 bps
CRE / Total Capitaln/an/an/an/a288%285%290%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 Texas Bank

Georgetown, TX · Cert 11935 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Texas Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 11 branches (13 in holding)

Q2 2026

$1.3BAssets
$573.5MLoans
$1.2BDeposits
$144.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 95% of banks $1B-$10B in assets operating in a single state (rank 15 of 257).
  • Widest gap: nonperforming loans / loans trails 64% of banks $1B-$10B in assets operating in a single state (rank 166 of 258).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.86%

Rank 28 of 258

Net Interest Margin

3.63%

Rank 103 of 258

Efficiency Ratio

41.11%

Rank 15 of 257

Equity / Assets

11.05%

Rank 94 of 258

Non-interest income vs. expense

$4.8M$21.3MINCOMEEXPENSE
Unfavorable gap of $16.5M · efficiency ratio beats 95% of banks $1B-$10B in assets operating in a single state
Bank 41.11%Peer median 60.3%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.86%0.93%1.23%1.54%Beats 89%28 / 258
Return on Equity16.79%9.26%11.84%14.74%Beats 87%34 / 258
Net Interest Margin3.63%3.16%3.49%3.88%Beats 60%103 / 258
Efficiency Ratio41.11%51.71%60.30%69.65%Beats 95%15 / 257
Asset Quality
Nonperforming Loans / Loans0.58%0.19%0.46%0.90%Beats 36%166 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 75%66 / 258
Capital
Tier 1 Capital Ratio20.48%11.41%12.98%15.12%Beats 93%17 / 258
Total Risk-Based Capital Ratio20.89%12.10%13.91%16.08%Beats 93%19 / 258
Equity / Assets11.05%9.09%10.24%11.72%Beats 64%94 / 258
Liquidity & Funding
Loans / Deposits49.45%73.24%86.34%95.95%3rd pctl250 / 258
Loans / Assets43.78%63.01%72.27%78.40%3rd pctl249 / 258
Brokered Deposits / Depositsn/aNot reported for this institution