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Farmers State Bank

Groesbeck, TX · Cert 15367 · Groesbeck Bancshares Inc.

State charter, non-member · FDIC · 6 branches

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

7

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

36

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

Farmers State Bank

Groesbeck, TX · Cert 15367 · Groesbeck Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$196.0MAssets
$93.0MLoans
$176.8MDeposits
$17.3MEquity
Loan mix
84%RE $66.2M9%C&I $6.9M7%Consumer $5.8MQ3 2024Q2 2026
Deposit mix
51%Interest-bearing $90.7M49%Noninterest $86.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.22%, down 10 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.04% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.39%, down 23 bps from a year ago.
  • Funding: loans stand at 52.59% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.22%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.17%-34 bps YoY

Efficiency Ratio (YTD, annualized)

68.33%+94 bps YoY

Tier 1 Leverage Ratio

9.39%-23 bps YoY

NIM

4.57%Q2 ’245.03%Q2 ’254.74%Q2 ’26+19%-7%

Non-interest income vs. expense

3.00%Q2 ’243.52%Q2 ’253.33%Q2 ’26+21%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.13%1.29%1.32%1.33%1.35%1.20%1.22%-10 bps
Return on Equity14.63%14.80%15.11%15.27%15.25%15.11%12.99%13.43%-184 bps
Net Interest Margin3.88%3.96%4.35%4.50%4.38%4.38%4.18%4.17%-34 bps
Efficiency Ratio69.97%69.66%67.79%67.38%67.23%67.13%64.74%68.33%+94 bps
Non-Interest Burden2.49%2.53%2.71%2.79%2.69%2.69%2.44%2.62%-17 bps
Growth
Asset Growth (YoY)-5.56%-2.63%-5.22%-2.23%6.04%1.55%8.09%6.94%+917 bps
Loan Growth (YoY)8.28%5.90%-6.36%-0.63%0.90%-11.34%-17.71%-16.50%-1,587 bps
Deposit Growth (YoY)-7.85%-4.04%1.94%0.01%4.87%-0.25%7.67%6.93%+692 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.14%0.04%0.04%0.04%0.04%0.04%0.04%0 bps
Net Charge-Offs / Loans0.06%0.05%0.03%0.02%0.01%0.01%0.01%0.01%-1 bps
Allowance / Loans1.01%0.97%0.95%0.93%0.97%1.09%1.27%1.22%+29 bps
Allowance Coverage of NPLs15.4x7.2x24.6x24.5x25.8x26.6x30.7x31.5x+6.9x
Capital
Tier 1 Leverage Ratio8.77%9.02%9.36%9.62%9.42%9.50%9.45%9.39%-23 bps
Total Risk-Based Capital15.14%14.50%9.36%9.62%9.42%9.50%9.45%9.39%-23 bps
Equity / Assets8.26%8.35%8.67%8.86%9.03%9.64%8.83%8.80%-6 bps
Liquidity & Funding
Loans / Deposits64.98%66.20%66.46%67.35%62.51%58.85%50.79%52.59%-1,476 bps
Liquid Assets / Assets6.94%4.06%5.88%6.13%9.09%8.46%13.88%11.40%+527 bps
CRE / Total Capitaln/an/an/an/a243%212%172.91%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

Farmers State Bank

Groesbeck, TX · Cert 15367 · Peer group: banks under $1B in assets in TX (n=208-211) · Groesbeck Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$196.0MAssets
$93.0MLoans
$176.8MDeposits
$17.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 70% of banks under $1B in assets in TX (rank 64 of 208).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in TX (rank 204 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.19%

Rank 108 of 211

Net Interest Margin

4.17%

Rank 70 of 211

Efficiency Ratio

68.33%

Rank 136 of 211

Equity / Assets

8.80%

Rank 177 of 211

Non-interest income vs. expense

$1.4M$6.4MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 36% of banks under $1B in assets in TX
Bank 68.33%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.19%0.87%1.20%1.65%Beats 49%108 / 211
Return on Equity13.49%7.52%11.67%14.58%Beats 66%71 / 211
Net Interest Margin4.17%3.28%3.82%4.31%Beats 67%70 / 211
Efficiency Ratio68.33%53.01%64.18%73.65%Beats 36%136 / 211
Asset Quality
Nonperforming Loans / Loans0.04%0.01%0.30%1.10%Beats 70%64 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 64%77 / 208
Capital
Tier 1 Capital Ratio9.39%11.72%14.45%19.57%Beats 3%204 / 211
Total Risk-Based Capital Ratio9.39%11.94%14.78%20.30%Beats 3%204 / 211
Equity / Assets8.80%9.41%11.06%12.94%Beats 16%177 / 211
Liquidity & Funding
Loans / Deposits52.59%45.39%66.56%82.03%29th pctl148 / 208
Loans / Assets47.43%39.13%56.90%70.46%32nd pctl144 / 211
Brokered Deposits / Depositsn/aNot reported for this institution