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Commercial Bank of Texas, N.A.

Nacogdoches, TX · Cert 1209 · Nacogdoches Coml Bancshares

National charter · OCC · 24 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

63

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

Commercial Bank of Texas, N.A.

Nacogdoches, TX · Cert 1209 · Nacogdoches Coml Bancshares

National charter · OCC · 24 branches

Q2 2026

$1.7BAssets
$1.2BLoans
$1.5BDeposits
$171.6MEquity
Loan mix
82%RE $930.2M14%C&I $157.6M4%Consumer $50.7MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $1.1B25%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.82%Q2 ’245.14%Q2 ’255.43%Q2 ’26+11%+11%

Non-interest income vs. expense

2.69%Q2 ’242.76%Q2 ’252.79%Q2 ’26+5%+2%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #106 of 166 inst. · $0.2B of $732.8B

31.4% Nacogdoches
17.3% Angelina
0.3% Collin
42.8% Rains

Executive Summary

  • Earnings: ROA of 1.62%, up 21 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.14% of loans (+2 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 10.60%, up 54 bps from a year ago.
  • Funding: loans stand at 78.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.62%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+39 bps YoY

Efficiency Ratio (YTD, annualized)

55.54%-377 bps YoY

Tier 1 Leverage Ratio

10.60%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.46%1.48%1.64%1.62%+21 bps
Return on Equity15.99%16.20%16.05%16.66%16.27%+28 bps
Net Interest Margin3.64%3.58%3.66%4.03%4.03%+39 bps
Efficiency Ratio59.32%56.80%56.84%55.15%55.54%-377 bps
Non-Interest Burden1.76%1.56%1.63%1.76%1.79%+4 bps
Growth
Asset Growth (YoY)11.23%11.01%9.60%11.03%5.80%-543 bps
Loan Growth (YoY)8.66%9.87%11.20%11.10%11.70%+303 bps
Deposit Growth (YoY)10.49%10.28%7.92%9.82%4.31%-618 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.14%0.13%0.13%0.14%+2 bps
Net Charge-Offs / Loans0.03%0.04%0.05%0.06%0.11%+8 bps
Allowance / Loans1.51%1.51%1.50%1.50%1.50%-1 bps
Allowance Coverage of NPLs12.6x10.6x11.6x11.8x10.5x-2.0x
Capital
Tier 1 Leverage Ratio10.06%9.99%10.22%10.39%10.60%+54 bps
Total Risk-Based Capital16.36%16.72%16.61%16.61%16.69%+33 bps
Equity / Assets9.00%9.46%9.93%9.75%10.18%+118 bps
Liquidity & Funding
Loans / Deposits73.02%72.52%76.25%75.35%78.20%+517 bps
Liquid Assets / Assets9.62%7.64%5.76%8.30%4.64%-498 bps
CRE / Total Capitaln/a316%322%327%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

Commercial Bank of Texas, N.A.

Nacogdoches, TX · Cert 1209 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Nacogdoches Coml Bancshares

National charter · OCC · 24 branches

Q2 2026

$1.7BAssets
$1.2BLoans
$1.5BDeposits
$171.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 82% of banks $1B-$10B in assets operating in a single state (rank 47 of 258).
  • Widest gap: net charge-offs / loans trails 89% of banks $1B-$10B in assets operating in a single state (rank 231 of 258).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.61%

Rank 52 of 258

Net Interest Margin

4.03%

Rank 47 of 258

Efficiency Ratio

55.63%

Rank 97 of 257

Equity / Assets

10.18%

Rank 133 of 258

Non-interest income vs. expense

$17.0M$47.7MINCOMEEXPENSE
Unfavorable gap of $30.7M · efficiency ratio beats 63% of banks $1B-$10B in assets operating in a single state
Bank 55.63%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.61%0.93%1.23%1.54%Beats 80%52 / 258
Return on Equity15.81%9.26%11.84%14.74%Beats 82%47 / 258
Net Interest Margin4.03%3.16%3.49%3.88%Beats 82%47 / 258
Efficiency Ratio55.63%51.71%60.30%69.65%Beats 63%97 / 257
Asset Quality
Nonperforming Loans / Loans0.14%0.19%0.46%0.90%Beats 80%52 / 258
Net Charge-Offs / Loans0.20%0.01%0.02%0.07%Beats 11%231 / 258
Capital
Tier 1 Capital Ratio15.44%11.41%12.98%15.12%Beats 78%58 / 258
Total Risk-Based Capital Ratio16.69%12.10%13.91%16.08%Beats 79%55 / 258
Equity / Assets10.18%9.09%10.24%11.72%Beats 48%133 / 258
Liquidity & Funding
Loans / Deposits78.20%73.24%86.34%95.95%34th pctl171 / 258
Loans / Assets69.59%63.01%72.27%78.40%40th pctl154 / 258
Brokered Deposits / Depositsn/aNot reported for this institution