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Stockmens National Bank in Cotulla

Cotulla, TX · Cert 14864

National charter · OCC · 1 branch

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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

77

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

Stockmens National Bank in Cotulla

Cotulla, TX · Cert 14864

National charter · OCC · 1 branch

Q2 2026

$124.1MAssets
$25.1MLoans
$111.7MDeposits
$12.2MEquity
Loan mix
62%RE $14.0M21%C&I $4.7M17%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $66.8M40%Noninterest $44.9MQ2 2025Q2 2026

NIM

4.14%Q2 ’244.16%Q2 ’254.30%Q2 ’260%+3%

Non-interest income vs. expense

1.81%Q2 ’241.96%Q2 ’251.91%Q2 ’26+18%0%

Executive Summary

  • Earnings: ROA of 1.33%, up 10 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.00% of loans (-345 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.62%, down 70 bps from a year ago.
  • Funding: loans stand at 22.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+11 bps YoY

Efficiency Ratio (YTD, annualized)

52.56%-222 bps YoY

Tier 1 Leverage Ratio

10.62%-70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.26%1.26%1.44%1.33%+10 bps
Return on Equity13.17%12.92%13.08%15.01%13.75%+58 bps
Net Interest Margin3.18%3.12%2.95%3.42%3.29%+11 bps
Efficiency Ratio54.78%53.69%53.19%51.13%52.56%-222 bps
Non-Interest Burden1.56%1.50%1.41%1.58%1.56%0 bps
Growth
Asset Growth (YoY)5.57%11.32%2.66%10.45%12.69%+712 bps
Loan Growth (YoY)-1.23%-8.97%-2.34%-20.10%-16.16%-1,493 bps
Deposit Growth (YoY)4.66%11.27%1.19%10.27%13.36%+870 bps
Asset Quality
Nonperforming Loans / Loans3.45%3.72%3.71%0.00%0.00%-345 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.03%-0.03%-0.02%0 bps
Allowance / Loans0.94%0.99%0.99%1.16%1.15%+21 bps
Allowance Coverage of NPLs0.3x0.3x0.3xn/an/an/a
Capital
Tier 1 Leverage Ratio11.32%11.48%9.85%10.11%10.62%-70 bps
Total Risk-Based Capital11.32%11.48%9.85%10.11%10.62%-70 bps
Equity / Assets10.40%10.92%9.31%9.91%9.87%-52 bps
Liquidity & Funding
Loans / Deposits30.43%27.83%25.48%22.71%22.51%-793 bps
Liquid Assets / Assets16.42%17.24%25.76%23.73%22.92%+649 bps
CRE / Total Capitaln/a76.19%88.03%66.45%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

Stockmens National Bank in Cotulla

Cotulla, TX · Cert 14864 · Peer group: banks under $1B in assets in TX (n=208-211)

National charter · OCC · 1 branch

Q2 2026

$124.1MAssets
$25.1MLoans
$111.7MDeposits
$12.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets in TX (rank 182 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.33%

Rank 84 of 211

Net Interest Margin

3.29%

Rank 157 of 211

Efficiency Ratio

52.56%

Rank 50 of 211

Equity / Assets

9.87%

Rank 142 of 211

Non-interest income vs. expense

$0.4M$2.3MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 77% of banks under $1B in assets in TX
Bank 52.56%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.33%0.87%1.20%1.65%Beats 60%84 / 211
Return on Equity13.42%7.52%11.67%14.58%Beats 66%72 / 211
Net Interest Margin3.29%3.28%3.82%4.31%Beats 26%157 / 211
Efficiency Ratio52.56%53.01%64.18%73.65%Beats 77%50 / 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 Ratio10.62%11.72%14.45%19.57%Beats 15%180 / 211
Total Risk-Based Capital Ratio10.62%11.94%14.78%20.30%Beats 14%182 / 211
Equity / Assets9.87%9.41%11.06%12.94%Beats 33%142 / 211
Liquidity & Funding
Loans / Deposits22.51%45.39%66.56%82.03%5th pctl198 / 208
Loans / Assets20.26%39.13%56.90%70.46%7th pctl197 / 211
Brokered Deposits / Depositsn/aNot reported for this institution