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Farmers National Bank of Newcastle

Newcastle, TX · Cert 14404

FDIC · 1 branch

Q1 2025

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: Q1 2025, the quarter ended March 31, 2025, 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=225 to 228). 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

15

Q2 2024Q1 2025peer median (50)

Asset Quality

56

Q2 2024Q1 2025peer median (50)

Profitability

54

Q2 2024Q1 2025peer median (50)

Liquidity

56

Q2 2024Q1 2025peer median

Efficiency

23

Q2 2024Q1 2025peer 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

Farmers National Bank of Newcastle

Newcastle, TX · Cert 14404

FDIC · 1 branch

Q1 2025

$50.7MAssets
$24.7MLoans
$48.4MDeposits
$1.3MEquity
Loan mix
84%RE $10.6M12%C&I $1.5M4%Consumer $0.5MQ1 2024Q1 2025
Deposit mix
71%Interest-bearing $34.2M29%Noninterest $14.1MQ1 2024Q1 2025

NIM

4.68%Q1 ’235.09%Q1 ’245.21%Q1 ’25-3%+18%

Non-interest income vs. expense

2.57%Q1 ’232.40%Q1 ’242.71%Q1 ’25-8%+17%

Executive Summary

  • Earnings: ROA of 0.77%, up 12 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.07% of loans (-34 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 11.46%, up 44 bps from a year ago.
  • Funding: loans stand at 51.04% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

0.77%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+53 bps YoY

Efficiency Ratio (YTD, annualized)

74.84%-164 bps YoY

Tier 1 Leverage Ratio

11.46%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.65%0.79%0.80%0.70%0.77%+12 bps
Return on Equity18.13%21.90%19.72%17.58%24.49%+636 bps
Net Interest Margin2.85%2.93%2.93%3.00%3.38%+53 bps
Efficiency Ratio76.48%74.46%74.36%77.79%74.84%-164 bps
Non-Interest Burden2.12%2.11%2.10%2.26%2.47%+35 bps
Growth
Asset Growth (YoY)-2.15%-7.65%-10.78%-6.67%-4.41%-225 bps
Loan Growth (YoY)-13.82%-10.58%0.86%7.41%10.40%+2,421 bps
Deposit Growth (YoY)-0.87%-7.94%-14.92%-5.98%-5.04%-416 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.32%0.00%0.00%0.07%-34 bps
Net Charge-Offs / Loans0.00%0.78%0.52%-0.01%-0.06%-6 bps
Allowance / Loans1.21%0.95%0.87%1.06%1.13%-8 bps
Allowance Coverage of NPLs2.9x3.0xn/an/a15.6x+12.6x
Capital
Tier 1 Leverage Ratio11.02%11.62%11.86%12.01%11.46%+44 bps
Total Risk-Based Capital11.02%11.62%11.86%12.01%11.46%+44 bps
Equity / Assets3.48%3.68%5.38%3.62%2.65%-83 bps
Liquidity & Funding
Loans / Deposits43.90%42.20%46.67%48.76%51.04%+714 bps
Liquid Assets / Assets1.88%1.96%1.01%0.00%0.00%-188 bps
CRE / Total Capitaln/an/an/an/an/an/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

Farmers National Bank of Newcastle

Newcastle, TX · Cert 14404 · Peer group: banks under $1B in assets in TX (n=225-228)

FDIC · 1 branch

Q1 2025

$50.7MAssets
$24.7MLoans
$48.4MDeposits
$1.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 100% of banks under $1B in assets in TX (rank 1 of 225).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets in TX (rank 223 of 228).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.77%

Rank 169 of 228

Net Interest Margin

3.38%

Rank 143 of 228

Efficiency Ratio

74.84%

Rank 176 of 228

Equity / Assets

2.65%

Rank 223 of 228

Non-interest income vs. expense

$0.1M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 23% of banks under $1B in assets in TX
Bank 74.84%Peer median 65.2%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.77%0.76%1.09%1.48%Beats 26%169 / 228
Return on Equity29.21%6.96%10.63%14.91%Beats 100%1 / 225
Net Interest Margin3.38%3.07%3.63%4.25%Beats 37%143 / 228
Efficiency Ratio74.84%55.39%65.15%74.18%Beats 23%176 / 228
Asset Quality
Nonperforming Loans / Loans0.07%0.01%0.22%0.67%Beats 61%89 / 225
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 50%113 / 225
Capital
Tier 1 Capital Ratio11.46%11.65%14.55%19.25%Beats 22%177 / 228
Total Risk-Based Capital Ratio11.46%11.69%14.89%20.30%Beats 22%178 / 228
Equity / Assets2.65%8.58%10.37%12.02%Beats 2%223 / 228
Liquidity & Funding
Loans / Deposits51.04%47.92%67.81%82.04%30th pctl158 / 225
Loans / Assets48.73%42.11%58.88%69.86%32nd pctl152 / 225
Brokered Deposits / Depositsn/aNot reported for this institution