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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 $9.3MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $657.3M43%Noninterest $502.3MQ2 2025Q2 2026

NIM

3.44%Q2 ’243.88%Q2 ’254.39%Q2 ’26+20%+21%

Non-interest income vs. expense

1.45%Q2 ’241.59%Q2 ’251.63%Q2 ’26+8%+0%

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 1.92%, up 52 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.58% of loans (-50 bps YoY), with net charge-offs at 0.00%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.92%+52 bps YoY

Net Interest Margin (quarter, annualized)

3.69%+63 bps YoY

Efficiency Ratio (quarter, annualized)

40.17%-672 bps YoY

Tier 1 Leverage Ratio

11.25%+35 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.67%1.79%1.78%1.92%+52 bps
Return on Equity13.07%15.79%16.59%16.18%17.50%+443 bps
Net Interest Margin3.06%3.42%3.52%3.54%3.69%+63 bps
Efficiency Ratio46.89%41.63%40.34%42.09%40.17%-672 bps
Non-Interest Burden1.26%1.24%1.22%1.28%1.26%0 bps
Growth
Asset Growth (YoY)49.23%54.47%1.13%1.07%-0.53%-4,975 bps
Loan Growth (YoY)69.54%75.74%13.26%10.48%4.04%-6,551 bps
Deposit Growth (YoY)48.36%54.37%0.80%0.83%-0.90%-4,926 bps
Asset Quality
Nonperforming Loans / Loans1.08%0.02%0.06%0.06%0.58%-50 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.01%0.00%+1 bps
Allowance / Loans0.49%0.48%0.49%0.50%0.50%+1 bps
Allowance Coverage of NPLs0.5x22.6x7.8x8.0x0.9x+0.4x
Capital
Tier 1 Leverage Ratio10.90%10.83%10.92%11.14%11.25%+35 bps
Total Risk-Based Capital19.95%19.54%19.85%20.16%20.89%+94 bps
Equity / Assets10.69%10.53%11.09%10.86%11.05%+36 bps
Liquidity & Funding
Loans / Deposits47.10%48.38%51.35%49.71%49.45%+235 bps
Liquid Assets / Assets49.68%48.66%45.98%47.32%46.54%-314 bps
CRE / Total Capitaln/a288%285%290%n/an/a