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Burton State Bank

Burton, TX · Cert 13669

FDIC · 1 branch

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Burton State Bank

Burton, TX · Cert 13669

FDIC · 1 branch

Q3 2021

$85.1MAssets
$19.8MLoans
$76.0MDeposits
$9.1MEquity
Loan mix
76%RE $14.4M4%C&I $0.8M19%Consumer $3.6MQ3 2020Q3 2021
Deposit mix
74%Interest-bearing $56.2M26%Noninterest $19.8MQ3 2020Q3 2021

NIM

3.43%Q3 ’192.76%Q3 ’201.73%Q3 ’21-20%-32%

Non-interest income vs. expense

1.15%Q3 ’191.03%Q3 ’201.26%Q3 ’21-8%+24%

Executive Summary

  • Earnings: ROA of 0.28%, down 83 bps year over year; NIM at 1.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.66%, down 107 bps from a year ago.
  • Funding: loans stand at 26.01% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.28%-83 bps YoY

Net Interest Margin (YTD, annualized)

1.41%-66 bps YoY

Efficiency Ratio (YTD, annualized)

84.66%+3,673 bps YoY

Tier 1 Leverage Ratio

10.66%-107 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets1.11%1.10%0.40%0.70%0.28%-83 bps
Return on Equity9.68%9.59%3.54%6.27%2.50%-717 bps
Net Interest Margin2.07%1.99%1.51%1.45%1.41%-66 bps
Efficiency Ratio47.92%54.68%64.42%60.62%84.66%+3,673 bps
Non-Interest Burden0.95%1.04%0.94%0.85%1.18%+23 bps
Growth
Asset Growth (YoY)13.10%8.99%9.34%7.55%9.26%-384 bps
Loan Growth (YoY)-0.12%0.39%-1.94%-5.89%-6.04%-591 bps
Deposit Growth (YoY)14.12%9.28%9.74%7.95%10.58%-354 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.30%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.01%+1 bps
Allowance / Loans0.69%0.70%0.72%0.72%0.76%+7 bps
Allowance Coverage of NPLsn/an/an/a2.4xn/an/a
Capital
Tier 1 Leverage Ratio11.73%11.70%11.24%10.97%10.66%-107 bps
Total Risk-Based Capital11.73%11.70%11.24%10.97%10.66%-107 bps
Equity / Assets11.72%11.59%10.94%10.90%10.68%-103 bps
Liquidity & Funding
Loans / Deposits30.61%30.93%27.89%27.46%26.01%-460 bps
Liquid Assets / Assets60.08%57.73%54.03%53.69%59.15%-93 bps
CRE / Total Capitaln/an/an/an/an/an/an/a