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Haskell National Bank

Haskell, TX · Cert 14399 · Haskell Bancshares Inc.

National charter · OCC · 2 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

22

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

Haskell National Bank

Haskell, TX · Cert 14399 · Haskell Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$72.6MAssets
$24.9MLoans
$63.1MDeposits
$9.2MEquity
Loan mix
83%RE $16.0M5%C&I $1.0M11%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
54%Interest-bearing $33.8M46%Noninterest $29.3MQ2 2025Q2 2026

NIM

3.31%Q2 ’243.71%Q2 ’254.20%Q2 ’26+12%+15%

Non-interest income vs. expense

3.22%Q2 ’243.15%Q2 ’253.28%Q2 ’26-4%+2%

Market Position · Abilene, TX · 2026 SOD (annual) · 0.5% share · #16 of 18 inst. · $0.0B of $5.5B

19.1% Haskell
0.5% Taylor

Executive Summary

  • Earnings: ROA of 0.85%, up 33 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.57%, up 21 bps from a year ago.
  • Funding: loans stand at 39.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+46 bps YoY

Efficiency Ratio (YTD, annualized)

75.32%-723 bps YoY

Tier 1 Leverage Ratio

13.57%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.59%0.58%0.80%0.85%+33 bps
Return on Equity4.78%5.28%5.07%6.63%6.94%+216 bps
Net Interest Margin3.17%3.26%3.34%3.32%3.63%+46 bps
Efficiency Ratio82.55%80.40%81.34%76.10%75.32%-723 bps
Non-Interest Burden2.50%2.49%2.60%2.31%2.56%+5 bps
Growth
Asset Growth (YoY)-0.71%-2.41%0.05%4.23%-0.70%+1 bps
Loan Growth (YoY)-0.37%2.86%5.67%-1.79%-2.64%-227 bps
Deposit Growth (YoY)-3.39%-4.51%-2.25%3.12%-2.08%+131 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.09%0.18%0.00%0.00%-6 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.18%1.14%1.20%1.30%1.25%+7 bps
Allowance Coverage of NPLs18.9x12.5x6.8xn/an/an/a
Capital
Tier 1 Leverage Ratio13.36%13.41%13.33%13.29%13.57%+21 bps
Total Risk-Based Capital30.98%30.15%30.63%32.95%34.17%+319 bps
Equity / Assets11.50%12.01%12.12%11.99%12.67%+117 bps
Liquidity & Funding
Loans / Deposits39.72%42.39%40.19%36.18%39.49%-23 bps
Liquid Assets / Assets7.74%9.31%16.97%30.61%11.78%+404 bps
CRE / Total Capitaln/a62.14%51.05%42.82%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

Haskell National Bank

Haskell, TX · Cert 14399 · Peer group: banks under $1B in assets in TX (n=208-211) · Haskell Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$72.6MAssets
$24.9MLoans
$63.1MDeposits
$9.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: return on equity trails 79% of banks under $1B in assets in TX (rank 166 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.87%

Rank 159 of 211

Net Interest Margin

3.63%

Rank 122 of 211

Efficiency Ratio

75.32%

Rank 165 of 211

Equity / Assets

12.67%

Rank 61 of 211

Non-interest income vs. expense

$0.5M$2.5MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 22% of banks under $1B in assets in TX
Bank 75.32%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.87%1.20%1.65%Beats 25%159 / 211
Return on Equity6.86%7.52%11.67%14.58%Beats 21%166 / 211
Net Interest Margin3.63%3.28%3.82%4.31%Beats 42%122 / 211
Efficiency Ratio75.32%53.01%64.18%73.65%Beats 22%165 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio33.15%11.72%14.45%19.57%Beats 91%19 / 211
Total Risk-Based Capital Ratio34.17%11.94%14.78%20.30%Beats 91%18 / 211
Equity / Assets12.67%9.41%11.06%12.94%Beats 71%61 / 211
Liquidity & Funding
Loans / Deposits39.49%45.39%66.56%82.03%16th pctl175 / 208
Loans / Assets34.30%39.13%56.90%70.46%18th pctl174 / 211
Brokered Deposits / Depositsn/aNot reported for this institution