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Junction National Bank

Junction, TX · Cert 15078

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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

72

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

Junction National Bank

Junction, TX · Cert 15078

National charter · OCC · 1 branch

Q2 2026

$93.0MAssets
$21.5MLoans
$84.6MDeposits
$8.2MEquity
Loan mix
83%RE $15.8M10%C&I $1.8M7%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $48.0M43%Noninterest $36.6MQ2 2025Q2 2026

NIM

3.48%Q2 ’243.68%Q2 ’253.85%Q2 ’26-1%+4%

Non-interest income vs. expense

1.88%Q2 ’241.96%Q2 ’251.91%Q2 ’26+6%-3%

Executive Summary

  • Earnings: ROA of 1.26%, up 10 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 12.04%, up 43 bps from a year ago.
  • Funding: loans stand at 25.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+13 bps YoY

Efficiency Ratio (YTD, annualized)

54.17%-328 bps YoY

Tier 1 Leverage Ratio

12.04%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.17%1.15%1.16%1.26%+10 bps
Return on Equity17.93%16.95%15.84%13.50%14.55%-338 bps
Net Interest Margin2.96%2.97%2.94%2.98%3.09%+13 bps
Efficiency Ratio57.45%57.17%55.48%55.75%54.17%-328 bps
Non-Interest Burden1.51%1.51%1.44%1.48%1.47%-4 bps
Growth
Asset Growth (YoY)1.82%5.71%11.52%9.34%4.88%+307 bps
Loan Growth (YoY)6.07%-4.03%-3.48%-1.10%0.13%-595 bps
Deposit Growth (YoY)0.75%4.61%8.09%7.14%2.77%+203 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans-0.02%-0.03%-0.01%-0.02%-0.02%0 bps
Allowance / Loans1.60%1.65%1.62%1.60%1.60%+1 bps
Allowance Coverage of NPLs85.5x172.0x342.0xn/an/an/a
Capital
Tier 1 Leverage Ratio11.61%11.76%11.45%11.46%12.04%+43 bps
Total Risk-Based Capital37.27%38.53%38.46%39.47%12.04%-2,523 bps
Equity / Assets6.98%8.28%8.46%8.65%8.84%+186 bps
Liquidity & Funding
Loans / Deposits26.03%24.69%24.48%24.58%25.36%-67 bps
Liquid Assets / Assets19.92%20.63%23.10%24.39%21.24%+132 bps
CRE / Total Capitaln/a30.05%29.56%27.45%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

Junction National Bank

Junction, TX · Cert 15078 · Peer group: banks under $1B in assets in TX (n=208-211)

National charter · OCC · 1 branch

Q2 2026

$93.0MAssets
$21.5MLoans
$84.6MDeposits
$8.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: equity / assets trails 83% of banks under $1B in assets in TX (rank 176 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.28%

Rank 92 of 211

Net Interest Margin

3.09%

Rank 172 of 211

Efficiency Ratio

54.17%

Rank 60 of 211

Equity / Assets

8.84%

Rank 176 of 211

Non-interest income vs. expense

$0.4M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 72% of banks under $1B in assets in TX
Bank 54.17%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.87%1.20%1.65%Beats 56%92 / 211
Return on Equity14.43%7.52%11.67%14.58%Beats 73%56 / 211
Net Interest Margin3.09%3.28%3.82%4.31%Beats 18%172 / 211
Efficiency Ratio54.17%53.01%64.18%73.65%Beats 72%60 / 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 62%80 / 208
Capital
Tier 1 Capital Ratio12.04%11.72%14.45%19.57%Beats 28%152 / 211
Total Risk-Based Capital Ratio12.04%11.94%14.78%20.30%Beats 27%153 / 211
Equity / Assets8.84%9.41%11.06%12.94%Beats 17%176 / 211
Liquidity & Funding
Loans / Deposits25.36%45.39%66.56%82.03%6th pctl195 / 208
Loans / Assets23.07%39.13%56.90%70.46%8th pctl194 / 211
Brokered Deposits / Depositsn/aNot reported for this institution