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First United Bank

Dimmitt, TX · Cert 12769 · Plains Bcorp Inc.

State charter, non-member · FDIC · 24 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 (n=311 to 317). 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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

70

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

First United Bank

Dimmitt, TX · Cert 12769 · Plains Bcorp Inc.

State charter, non-member · FDIC · 24 branches

Q2 2026

$2.4BAssets
$1.5BLoans
$2.1BDeposits
$253.2MEquity
Loan mix
83%RE $1.1B17%C&I $0.2B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $1.5B30%Noninterest $0.6BQ3 2024Q2 2026

Market Position · Amarillo, TX · 2026 SOD (annual) · 4.8% share · #4 of 21 inst. · $0.6B of $11.7B

15.7% Randall
3.1% Lubbock
49.7% Gaines
34.1% Dawson

Executive Summary

  • Earnings: ROA of 1.59%, up 33 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.41% of loans (-51 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 11.17%, up 89 bps from a year ago.
  • Funding: loans stand at 70.78% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.59%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+41 bps YoY

Efficiency Ratio (YTD, annualized)

50.50%-552 bps YoY

Tier 1 Leverage Ratio

11.17%+89 bps YoY

NIM

5.26%Q2 ’245.16%Q2 ’255.35%Q2 ’26+12%+13%

Non-interest income vs. expense

1.97%Q2 ’242.22%Q2 ’252.32%Q2 ’26+17%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.17%1.16%1.26%1.34%1.39%1.55%1.59%+33 bps
Return on Equity13.90%13.33%12.82%13.85%14.60%14.82%15.42%15.58%+174 bps
Net Interest Margin3.00%3.05%3.32%3.30%3.44%3.46%3.64%3.72%+41 bps
Efficiency Ratio56.36%57.22%58.37%56.03%54.18%53.41%51.10%50.50%-552 bps
Non-Interest Burden1.46%1.52%1.77%1.71%1.71%1.69%1.61%1.64%-6 bps
Growth
Asset Growth (YoY)0.21%-2.78%12.18%9.88%11.07%14.87%1.92%1.90%-799 bps
Loan Growth (YoY)2.90%2.18%8.39%5.95%8.50%8.06%1.28%2.83%-312 bps
Deposit Growth (YoY)-1.25%-0.72%19.78%22.05%20.51%21.01%0.49%0.87%-2,119 bps
Asset Quality
Nonperforming Loans / Loans1.97%0.75%0.66%0.92%0.85%0.74%0.71%0.41%-51 bps
Net Charge-Offs / Loans0.03%0.08%-0.03%0.00%0.03%0.03%-0.04%0.10%+9 bps
Allowance / Loans1.38%1.38%1.33%1.35%1.33%1.35%1.40%1.34%-1 bps
Allowance Coverage of NPLs0.7x1.9x2.0x1.5x1.6x1.8x2.0x3.3x+1.8x
Capital
Tier 1 Leverage Ratio11.47%11.81%10.97%10.28%10.56%10.89%11.08%11.17%+89 bps
Total Risk-Based Capital17.10%17.39%15.55%15.91%16.05%16.78%17.14%16.83%+92 bps
Equity / Assets9.39%9.36%8.75%9.18%9.57%10.05%10.06%10.51%+133 bps
Liquidity & Funding
Loans / Deposits78.53%76.81%67.63%69.42%70.70%68.59%68.16%70.78%+135 bps
Liquid Assets / Assets4.38%3.46%8.08%6.27%6.92%7.59%4.78%2.68%-359 bps
CRE / Total Capitaln/an/an/an/a283%265%272%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

First United Bank

Dimmitt, TX · Cert 12769 · Peer group: banks $1B-$10B in assets (n=311-317) · Plains Bcorp Inc.

State charter, non-member · FDIC · 24 branches

Q2 2026

$2.4BAssets
$1.5BLoans
$2.1BDeposits
$253.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 81% of banks $1B-$10B in assets (rank 59 of 317).
  • Widest gap: net charge-offs / loans trails 66% of banks $1B-$10B in assets (rank 206 of 311).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.61%

Rank 69 of 317

Net Interest Margin

3.72%

Rank 96 of 317

Efficiency Ratio

53.24%

Rank 97 of 317

Equity / Assets

10.51%

Rank 153 of 317

Non-interest income vs. expense

$16.9M$57.9MINCOMEEXPENSE
Unfavorable gap of $41.0M · efficiency ratio beats 70% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.61%0.93%1.22%1.51%Beats 78%69 / 317n/a
Return on Equity15.30%8.63%11.43%14.48%Beats 81%59 / 317n/a
Net Interest Margin3.72%3.06%3.45%3.83%Beats 70%96 / 317n/a
Efficiency Ratio53.24%51.90%59.69%67.53%Beats 70%97 / 317n/a
Asset Quality
Nonperforming Loans / Loans0.41%0.24%0.51%1.14%Beats 61%121 / 311n/a
Net Charge-Offs / Loans0.07%0.01%0.04%0.12%Beats 34%206 / 311n/a
Capital
Tier 1 Capital Ratio15.64%11.75%13.15%15.30%Beats 77%73 / 317n/a
Total Risk-Based Capital Ratio16.83%12.63%14.21%16.26%Beats 80%64 / 317n/a
Equity / Assets10.51%9.06%10.32%11.95%Beats 52%153 / 317n/a
Liquidity & Funding
Loans / Deposits70.78%76.63%88.04%95.67%16th pctl261 / 312n/a
Loans / Assets62.71%65.41%74.05%79.71%20th pctl253 / 317n/a
Brokered Deposits / Depositsn/aNot reported for this institution