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Pecos County State Bank, The

Fort Stockton, TX · Cert 13006 · Pecos County Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

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 under $1B in assets in TX (n=208 to 211). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

55

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

Pecos County State Bank, The

Fort Stockton, TX · Cert 13006 · Pecos County Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$309.4MAssets
$120.5MLoans
$280.7MDeposits
$27.9MEquity
Loan mix
76%RE $85.3M16%C&I $17.5M8%Consumer $8.9MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $195.6M30%Noninterest $85.0MQ2 2025Q2 2026

NIM

5.19%Q2 ’245.24%Q2 ’254.80%Q2 ’26+4%-4%

Non-interest income vs. expense

2.48%Q2 ’242.50%Q2 ’252.58%Q2 ’26+1%+5%

Market Position · El Paso, TX · 2026 SOD (annual) · 0.2% share · #16 of 17 inst. · $0.0B of $11.5B

53.2% Pecos
100.0% Culberson
100.0% Hudspeth
100.0% Terrell

Executive Summary

  • Earnings: ROA of 1.26%, down 15 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.98% of loans (-5 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.57%, up 27 bps from a year ago.
  • Funding: loans stand at 42.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-16 bps YoY

Efficiency Ratio (YTD, annualized)

61.86%+438 bps YoY

Tier 1 Leverage Ratio

11.57%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.35%1.37%1.24%1.26%-15 bps
Return on Equity18.52%16.97%16.59%13.36%13.71%-481 bps
Net Interest Margin3.66%3.79%3.79%3.53%3.50%-16 bps
Efficiency Ratio57.48%59.50%59.60%63.14%61.86%+438 bps
Non-Interest Burden1.82%1.97%1.97%1.99%1.91%+9 bps
Growth
Asset Growth (YoY)-4.71%-8.29%-7.77%-1.38%1.56%+627 bps
Loan Growth (YoY)1.04%-2.38%-9.20%-9.89%-7.20%-825 bps
Deposit Growth (YoY)-5.94%-9.58%-9.97%-2.85%0.28%+622 bps
Asset Quality
Nonperforming Loans / Loans1.03%1.39%1.70%1.06%0.98%-5 bps
Net Charge-Offs / Loans0.01%0.04%0.06%0.05%0.03%+2 bps
Allowance / Loans1.68%1.68%1.72%1.79%1.74%+7 bps
Allowance Coverage of NPLs1.6x1.2x1.0x1.7x1.8x+0.2x
Capital
Tier 1 Leverage Ratio11.29%11.89%12.33%11.58%11.57%+27 bps
Total Risk-Based Capital11.29%11.89%12.33%11.58%11.57%+27 bps
Equity / Assets7.82%9.01%9.53%9.06%9.01%+119 bps
Liquidity & Funding
Loans / Deposits46.41%48.08%45.61%39.90%42.94%-346 bps
Liquid Assets / Assets0.71%0.57%0.48%0.44%0.47%-24 bps
CRE / Total Capitaln/a172.24%164.90%163.52%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

Pecos County State Bank, The

Fort Stockton, TX · Cert 13006 · Peer group: banks under $1B in assets in TX (n=208-211) · Pecos County Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$309.4MAssets
$120.5MLoans
$280.7MDeposits
$27.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 72% of banks under $1B in assets in TX (rank 59 of 211).
  • Widest gap: equity / assets trails 80% of banks under $1B in assets in TX (rank 168 of 211).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.27%

Rank 93 of 211

Net Interest Margin

3.50%

Rank 139 of 211

Efficiency Ratio

61.86%

Rank 96 of 211

Equity / Assets

9.01%

Rank 168 of 211

Non-interest income vs. expense

$2.1M$8.1MINCOMEEXPENSE
Unfavorable gap of $6.0M · efficiency ratio beats 55% of banks under $1B in assets in TX
Bank 61.86%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.27%0.87%1.20%1.65%Beats 56%93 / 211
Return on Equity14.09%7.52%11.67%14.58%Beats 72%59 / 211
Net Interest Margin3.50%3.28%3.82%4.31%Beats 34%139 / 211
Efficiency Ratio61.86%53.01%64.18%73.65%Beats 55%96 / 211
Asset Quality
Nonperforming Loans / Loans0.98%0.01%0.30%1.10%Beats 28%151 / 208
Net Charge-Offs / Loans0.03%0.00%0.01%0.06%Beats 37%133 / 208
Capital
Tier 1 Capital Ratio11.57%11.72%14.45%19.57%Beats 23%163 / 211
Total Risk-Based Capital Ratio11.57%11.94%14.78%20.30%Beats 22%164 / 211
Equity / Assets9.01%9.41%11.06%12.94%Beats 20%168 / 211
Liquidity & Funding
Loans / Deposits42.94%45.39%66.56%82.03%22nd pctl162 / 208
Loans / Assets38.95%39.13%56.90%70.46%24th pctl161 / 211
Brokered Deposits / Depositsn/aNot reported for this institution