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Southstar Bank, S.S.B.

Moulton, TX · Cert 12299 · Southern Bancshares Inc.

SI · FDIC · 16 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

56

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

Southstar Bank, S.S.B.

Moulton, TX · Cert 12299 · Southern Bancshares Inc.

SI · FDIC · 16 branches

Q2 2026

$1.4BAssets
$1.0BLoans
$1.1BDeposits
$170.8MEquity
Loan mix
97%RE $748.3M2%C&I $15.2M1%Consumer $5.2MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $881.2M22%Noninterest $244.4MQ3 2024Q2 2026

Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.5% share · #29 of 73 inst. · $0.3B of $70.4B

55.1% Robertson
27.2% Lavaca
0.4% Travis
1.1% Williamson

Executive Summary

  • Earnings: ROA of 1.55%, up 1 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.62% of loans (-10 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 13.28%, up 46 bps from a year ago.
  • Funding: loans stand at 92.61% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.55%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+13 bps YoY

Efficiency Ratio (YTD, annualized)

57.95%+72 bps YoY

Tier 1 Leverage Ratio

13.28%+46 bps YoY

NIM

6.03%Q2 ’246.08%Q2 ’256.03%Q2 ’26+3%+3%

Non-interest income vs. expense

2.63%Q2 ’242.60%Q2 ’252.75%Q2 ’26-1%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.40%1.53%1.54%1.57%1.59%1.54%1.55%+1 bps
Return on Equity12.39%12.13%12.63%12.66%12.87%12.90%12.21%12.33%-33 bps
Net Interest Margin4.15%4.21%4.27%4.20%4.31%4.32%4.34%4.33%+13 bps
Efficiency Ratio59.03%59.81%57.37%57.23%56.91%56.90%58.04%57.95%+72 bps
Non-Interest Burden2.35%2.42%2.35%2.30%2.34%2.35%2.40%2.38%+8 bps
Growth
Asset Growth (YoY)-2.35%-3.14%3.21%3.87%7.32%9.53%5.76%8.32%+444 bps
Loan Growth (YoY)-2.78%-2.23%-1.25%3.27%5.16%10.65%4.94%7.62%+434 bps
Deposit Growth (YoY)-2.33%-0.21%11.06%13.58%14.34%13.14%5.83%9.22%-436 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.15%0.25%0.72%0.76%0.78%1.18%0.62%-10 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%0.10%0.06%+6 bps
Allowance / Loans0.81%0.83%0.81%0.78%0.79%0.77%0.77%0.72%-6 bps
Allowance Coverage of NPLs3.8x5.7x3.2x1.1x1.0x1.0x0.7x1.1x+0.1x
Capital
Tier 1 Leverage Ratio12.79%13.12%13.04%12.82%13.06%13.19%13.27%13.28%+46 bps
Total Risk-Based Capital18.99%19.63%19.19%18.73%19.03%19.04%19.33%13.28%-545 bps
Equity / Assets12.14%12.36%11.92%12.16%12.43%12.79%12.51%12.47%+31 bps
Liquidity & Funding
Loans / Deposits99.87%97.19%89.58%93.98%91.86%95.05%88.83%92.61%-138 bps
Liquid Assets / Assets4.24%4.12%8.66%5.48%7.58%4.48%9.48%6.05%+57 bps
CRE / Total Capitaln/an/an/an/a212%211%199.67%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

Southstar Bank, S.S.B.

Moulton, TX · Cert 12299 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Southern Bancshares Inc.

SI · FDIC · 16 branches

Q2 2026

$1.4BAssets
$1.0BLoans
$1.1BDeposits
$170.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 27 of 258).
  • Widest gap: nonperforming loans / loans trails 67% of banks $1B-$10B in assets operating in a single state (rank 175 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.51%

Rank 68 of 258

Net Interest Margin

4.33%

Rank 27 of 258

Efficiency Ratio

58.51%

Rank 114 of 257

Equity / Assets

12.47%

Rank 46 of 258

Non-interest income vs. expense

$5.0M$37.0MINCOMEEXPENSE
Unfavorable gap of $32.1M · efficiency ratio beats 56% of banks $1B-$10B in assets operating in a single state
Bank 58.51%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.51%0.93%1.23%1.54%Beats 74%68 / 258
Return on Equity12.09%9.26%11.84%14.74%Beats 52%125 / 258
Net Interest Margin4.33%3.16%3.49%3.88%Beats 90%27 / 258
Efficiency Ratio58.51%51.71%60.30%69.65%Beats 56%114 / 257
Asset Quality
Nonperforming Loans / Loans0.62%0.19%0.46%0.90%Beats 33%175 / 258
Net Charge-Offs / Loans0.04%0.01%0.02%0.07%Beats 35%168 / 258
Capital
Tier 1 Capital Ratio13.28%11.41%12.98%15.12%Beats 53%122 / 258
Total Risk-Based Capital Ratio13.28%12.10%13.91%16.08%Beats 41%151 / 258
Equity / Assets12.47%9.09%10.24%11.72%Beats 82%46 / 258
Liquidity & Funding
Loans / Deposits92.61%73.24%86.34%95.95%68th pctl82 / 258
Loans / Assets76.10%63.01%72.27%78.40%64th pctl94 / 258
Brokered Deposits / Depositsn/aNot reported for this institution