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Dilley State Bank

Dilley, TX · Cert 1490

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

Dilley State Bank

Dilley, TX · Cert 1490

FDIC · 1 branch

Q3 2021

$126.4MAssets
$22.6MLoans
$112.5MDeposits
$13.9MEquity
Loan mix
91%RE $19.4M5%C&I $1.1M4%Consumer $0.8MQ3 2020Q3 2021
Deposit mix
65%Interest-bearing $73.6M35%Noninterest $38.9MQ3 2020Q3 2021

NIM

2.67%Q3 ’191.58%Q3 ’201.52%Q3 ’21-42%+8%

Non-interest income vs. expense

1.54%Q3 ’191.31%Q3 ’201.11%Q3 ’21-13%-17%

Executive Summary

  • Earnings: ROA of 0.38%, up 13 bps year over year; NIM at 1.48%.
  • Asset quality: problem loans at 0.02% of loans (-28 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 9.79%, down 629 bps from a year ago.
  • Funding: loans stand at 20.12% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.38%+13 bps YoY

Net Interest Margin (YTD, annualized)

1.48%+10 bps YoY

Efficiency Ratio (YTD, annualized)

68.18%-1,549 bps YoY

Tier 1 Leverage Ratio

9.79%-629 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.26%0.39%0.33%0.33%0.38%+13 bps
Return on Equity1.52%2.54%3.31%3.29%3.73%+221 bps
Net Interest Margin1.37%0.03%1.43%1.51%1.48%+10 bps
Efficiency Ratio83.67%19.79%77.24%68.06%68.18%-1,549 bps
Non-Interest Burden1.12%-0.35%1.04%0.95%0.93%-19 bps
Growth
Asset Growth (YoY)3.05%2.09%-4.44%-10.88%-8.97%-1,202 bps
Loan Growth (YoY)-17.15%-23.69%60.45%72.20%52.07%+6,922 bps
Deposit Growth (YoY)2.26%10.76%4.35%-3.46%-1.46%-372 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.12%0.05%0.02%0.02%-28 bps
Net Charge-Offs / Loans-0.04%0.00%-0.05%-0.04%-0.05%0 bps
Allowance / Loans0.92%0.22%0.15%0.60%0.75%-17 bps
Allowance Coverage of NPLs3.0x1.8x2.9x27.2x42.3x+39.2x
Capital
Tier 1 Leverage Ratio16.09%8.86%9.66%9.65%9.79%-629 bps
Total Risk-Based Capital51.35%8.86%9.66%9.65%12.23%-3,911 bps
Equity / Assets17.30%10.19%9.49%10.24%10.97%-633 bps
Liquidity & Funding
Loans / Deposits13.04%11.53%21.85%23.84%20.12%+708 bps
Liquid Assets / Assets42.42%37.19%12.31%10.19%14.75%-2,766 bps
CRE / Total Capitaln/an/an/an/an/an/an/a