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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 $2.1MQ3 2024Q2 2026
Deposit mix
54%Interest-bearing $33.8M46%Noninterest $29.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.49%0.49%0.52%0.59%0.58%0.80%0.85%+33 bps
Return on Equity3.17%5.28%4.61%4.78%5.28%5.07%6.63%6.94%+216 bps
Net Interest Margin2.87%2.90%3.04%3.17%3.26%3.34%3.32%3.63%+46 bps
Efficiency Ratio89.42%83.51%83.67%82.55%80.40%81.34%76.10%75.32%-723 bps
Non-Interest Burden2.50%2.29%2.42%2.50%2.49%2.60%2.31%2.56%+5 bps
Growth
Asset Growth (YoY)0.81%-3.05%0.07%-0.71%-2.41%0.05%4.23%-0.70%+1 bps
Loan Growth (YoY)14.49%0.09%-3.11%-0.37%2.86%5.67%-1.79%-2.64%-227 bps
Deposit Growth (YoY)-2.70%-5.10%-2.58%-3.39%-4.51%-2.25%3.12%-2.08%+131 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.09%0.07%0.06%0.09%0.18%0.00%0.00%-6 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.12%1.20%1.21%1.18%1.14%1.20%1.30%1.25%+7 bps
Allowance Coverage of NPLs99.3x13.5x17.5x18.9x12.5x6.8xn/an/an/a
Capital
Tier 1 Leverage Ratio12.86%12.84%13.31%13.36%13.41%13.33%13.29%13.57%+21 bps
Total Risk-Based Capital29.42%30.83%31.87%30.98%30.15%30.63%32.95%34.17%+319 bps
Equity / Assets10.17%10.13%11.08%11.50%12.01%12.12%11.99%12.67%+117 bps
Liquidity & Funding
Loans / Deposits39.35%37.17%37.99%39.72%42.39%40.19%36.18%39.49%-23 bps
Liquid Assets / Assets6.64%5.33%9.30%7.74%9.31%16.97%30.61%11.78%+404 bps
CRE / Total Capitaln/an/an/an/a62.14%51.05%42.82%n/an/a