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Industry State Bank

Industry, TX · Cert 12506

FDIC · 5 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=24). 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

42

Q2 2024Q2 2025peer median (50)

Asset Quality

33

Q2 2024Q2 2025peer median (50)

Profitability

4

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

62

Q2 2024Q2 2025peer 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

Industry State Bank

Industry, TX · Cert 12506

FDIC · 5 branches

Q2 2025

$641.2MAssets
$182.8MLoans
$631.7MDeposits
$-2889KEquity
Loan mix
65%RE $90.2M29%C&I $40.3M6%Consumer $8.3MQ2 2024Q2 2025
Deposit mix
85%Interest-bearing $535.6M15%Noninterest $96.0MQ2 2024Q2 2025

NIM

3.32%Q2 ’233.72%Q2 ’243.80%Q2 ’25-48%+85%

Non-interest income vs. expense

1.80%Q2 ’231.90%Q2 ’241.20%Q2 ’25-4%+54%

Market Position · Houston-Pasadena-The Woodlands, TX · 2025 SOD (annual) · 0.1% share · #51 of 109 inst. · $0.4B of $348.4B

22.5% Austin
26.4% Colorado

Executive Summary

  • Earnings: ROA of -1.65%, down 164 bps year over year; NIM at 1.53%.
  • Asset quality: problem loans at 0.31% of loans (+30 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 17.66%, up 556 bps from a year ago.
  • Funding: loans stand at 28.93% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.65%-164 bps YoY

Net Interest Margin (YTD, annualized)

1.53%+70 bps YoY

Efficiency Ratio (YTD, annualized)

63.71%-2,071 bps YoY

Tier 1 Leverage Ratio

17.66%+556 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-0.01%-0.05%2.73%-3.77%-1.65%-164 bps
Return on Equity0.83%9.53%-997%-509%-433%-43,413 bps
Net Interest Margin0.82%0.88%0.92%1.33%1.53%+70 bps
Efficiency Ratio84.42%84.26%36.22%73.12%63.71%-2,071 bps
Non-Interest Burden0.57%0.60%-2.31%0.93%0.87%+30 bps
Growth
Asset Growth (YoY)-2.72%8.86%-10.22%-23.78%-24.59%-2,187 bps
Loan Growth (YoY)-0.92%-7.26%-7.63%-15.74%-12.37%-1,145 bps
Deposit Growth (YoY)-3.37%-0.24%-6.70%-21.18%-21.40%-1,802 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.02%0.14%0.14%0.31%+30 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.08%0.07%+7 bps
Allowance / Loans1.60%1.68%1.72%1.85%1.78%+19 bps
Allowance Coverage of NPLs144.8x85.3x12.1x13.3x5.7x-139.1x
Capital
Tier 1 Leverage Ratio12.10%12.43%15.43%15.91%17.66%+556 bps
Total Risk-Based Capital12.10%12.43%15.43%15.91%17.66%+556 bps
Equity / Assets-1.66%0.77%0.98%0.47%-0.45%+121 bps
Liquidity & Funding
Loans / Deposits25.95%25.04%25.09%26.23%28.93%+298 bps
Liquid Assets / Assets12.26%14.60%17.14%19.73%14.39%+214 bps
CRE / Total Capitaln/an/an/an/an/an/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

Industry State Bank

Industry, TX · Cert 12506 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=24)

FDIC · 5 branches

Q2 2025

$641.2MAssets
$182.8MLoans
$631.7MDeposits
$-2889KEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 63% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 24).
  • Widest gap: return on assets trails 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 24 of 24).
  • Overall: at or above the peer median on 3 of 8 directional measures.

Return on Assets

-1.82%

Rank 24 of 24

Net Interest Margin

1.53%

Rank 22 of 24

Efficiency Ratio

64.42%

Rank 10 of 24

Equity / Assets

-0.45%

Rank 23 of 24

Non-interest income vs. expense

$2.6M$9.6MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 62% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 64.42%Peer median 67.8%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.82%0.59%1.00%1.43%Beats 0%24 / 24
Return on Equityn/aNot reported for this institution
Net Interest Margin1.53%2.91%3.63%4.51%Beats 8%22 / 24
Efficiency Ratio64.42%58.88%67.83%80.72%Beats 62%10 / 24
Asset Quality
Nonperforming Loans / Loans0.31%0.00%0.09%1.33%Beats 29%18 / 24
Net Charge-Offs / Loans0.04%0.00%0.01%0.08%Beats 37%16 / 24
Capital
Tier 1 Capital Ratio17.66%13.46%16.18%19.15%Beats 63%9 / 24
Total Risk-Based Capital Ratio17.66%13.54%16.18%20.41%Beats 58%10 / 24
Equity / Assets-0.45%9.01%11.59%13.53%Beats 4%23 / 24
Liquidity & Funding
Loans / Deposits28.93%56.20%79.01%94.18%4th pctl23 / 24
Loans / Assets28.50%49.29%69.55%77.80%4th pctl23 / 24
Brokered Deposits / Depositsn/aNot reported for this institution