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Letter portraitLegal landscapeQuarterYTD

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 1.56%, up 3 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.62% of loans (-10 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

1.56%+3 bps YoY

Net Interest Margin (quarter, annualized)

4.41%+13 bps YoY

Efficiency Ratio (quarter, annualized)

57.86%+78 bps YoY

Tier 1 Leverage Ratio

13.28%+46 bps YoY

NIM

6.06%Q2 ’246.22%Q2 ’256.13%Q2 ’26+4%+3%

Non-interest income vs. expense

2.66%Q2 ’242.66%Q2 ’252.81%Q2 ’26+1%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.38%1.53%1.52%1.64%1.63%1.54%1.56%+3 bps
Return on Equity12.68%11.24%12.63%12.66%13.33%12.95%12.21%12.46%-20 bps
Net Interest Margin4.27%4.33%4.27%4.28%4.57%4.53%4.34%4.41%+13 bps
Efficiency Ratio58.01%62.08%57.37%57.09%56.33%56.89%58.04%57.86%+78 bps
Non-Interest Burden2.36%2.60%2.35%2.33%2.46%2.45%2.40%2.41%+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-0.07%0.00%0.00%0.00%0.00%0.00%0.10%0.03%+4 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