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Security State Bank

Pearsall, TX · Cert 1497 · Briscoe Ranch Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

75

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

88

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

Security State Bank

Pearsall, TX · Cert 1497 · Briscoe Ranch Inc.

State charter, non-member · FDIC · 1 affiliate bank · 8 branches (16 in holding)

Q2 2026

$1.1BAssets
$567.3MLoans
$1.0BDeposits
$108.2MEquity
Loan mix
93%RE $504.4M6%C&I $30.6M1%Consumer $6.9MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $891.2M13%Noninterest $136.8MQ2 2025Q2 2026

NIM

4.49%Q2 ’244.92%Q2 ’254.55%Q2 ’26+24%-4%

Non-interest income vs. expense

1.49%Q2 ’241.55%Q2 ’251.36%Q2 ’26+5%-12%

Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.2% share · #20 of 66 inst. · $0.3B of $175.0B

84.9% Frio
22.3% Atascosa
14.3% Medina

Executive Summary

  • Earnings: ROA of 1.37%, up 10 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.00% of loans (-7 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 10.74%, down 176 bps from a year ago.
  • Funding: loans stand at 55.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.73%-13 bps YoY

Efficiency Ratio (YTD, annualized)

46.08%-391 bps YoY

Tier 1 Leverage Ratio

10.74%-176 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.26%1.26%1.33%1.37%+10 bps
Return on Equity12.67%12.20%12.08%13.33%13.93%+127 bps
Net Interest Margin2.86%2.88%2.86%2.97%2.73%-13 bps
Efficiency Ratio49.99%49.89%50.30%47.88%46.08%-391 bps
Non-Interest Burden1.30%1.30%1.31%1.29%1.14%-16 bps
Growth
Asset Growth (YoY)2.24%2.62%2.55%24.83%26.36%+2,411 bps
Loan Growth (YoY)6.92%4.00%2.16%2.62%3.23%-368 bps
Deposit Growth (YoY)1.30%1.66%0.97%25.92%27.84%+2,654 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.91%0.89%0.89%0.00%-7 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.04%+3 bps
Allowance / Loans0.86%0.88%0.88%0.90%0.89%+3 bps
Allowance Coverage of NPLs11.4x1.0x1.0x1.0x633.4x+622.0x
Capital
Tier 1 Leverage Ratio12.50%12.77%12.43%11.76%10.74%-176 bps
Total Risk-Based Capital12.50%12.77%12.43%11.76%10.74%-176 bps
Equity / Assets10.52%11.45%10.78%9.36%9.50%-102 bps
Liquidity & Funding
Loans / Deposits68.34%70.29%65.86%54.38%55.19%-1,315 bps
Liquid Assets / Assets0.03%0.01%0.00%22.60%19.22%+1,919 bps
CRE / Total Capitaln/a327%333%322%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

Security State Bank

Pearsall, TX · Cert 1497 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Briscoe Ranch Inc.

State charter, non-member · FDIC · 1 affiliate bank · 8 branches (16 in holding)

Q2 2026

$1.1BAssets
$567.3MLoans
$1.0BDeposits
$108.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 99% of banks $1B-$10B in assets operating in a single state (rank 4 of 258).
  • Widest gap: net interest margin trails 90% of banks $1B-$10B in assets operating in a single state (rank 232 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.29%

Rank 113 of 258

Net Interest Margin

2.73%

Rank 232 of 258

Efficiency Ratio

46.08%

Rank 31 of 257

Equity / Assets

9.50%

Rank 172 of 258

Non-interest income vs. expense

$2.5M$15.6MINCOMEEXPENSE
Unfavorable gap of $13.1M · efficiency ratio beats 88% of banks $1B-$10B in assets operating in a single state
Bank 46.08%Peer median 60.3%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.93%1.23%1.54%Beats 56%113 / 258
Return on Equity13.58%9.26%11.84%14.74%Beats 65%90 / 258
Net Interest Margin2.73%3.16%3.49%3.88%Beats 10%232 / 258
Efficiency Ratio46.08%51.71%60.30%69.65%Beats 88%31 / 257
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.46%0.90%Beats 99%4 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 51%129 / 258
Capital
Tier 1 Capital Ratio10.74%11.41%12.98%15.12%Beats 16%216 / 258
Total Risk-Based Capital Ratio10.74%12.10%13.91%16.08%Beats 14%222 / 258
Equity / Assets9.50%9.09%10.24%11.72%Beats 33%172 / 258
Liquidity & Funding
Loans / Deposits55.19%73.24%86.34%95.95%5th pctl244 / 258
Loans / Assets49.82%63.01%72.27%78.40%6th pctl242 / 258
Brokered Deposits / Depositsn/aNot reported for this institution