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State Bank of de Kalb

De Kalb, TX · Cert 15463

State charter, non-member · FDIC · 7 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

22

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

State Bank of de Kalb

De Kalb, TX · Cert 15463

State charter, non-member · FDIC · 7 branches

Q2 2026

$519.9MAssets
$385.8MLoans
$455.1MDeposits
$62.3MEquity
Loan mix
73%RE $254.0M25%C&I $85.7M2%Consumer $8.2MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $337.1M26%Noninterest $118.0MQ3 2024Q2 2026

Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 9.9% share · #4 of 19 inst. · $0.3B of $3.1B

14.9% Bowie
19.0% Cass
31.3% Red River

Executive Summary

  • Earnings: ROA of 1.80%, down 2 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.24% of loans (+10 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.17%, up 48 bps from a year ago.
  • Funding: loans stand at 84.76% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.80%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.59%-3 bps YoY

Efficiency Ratio (YTD, annualized)

54.01%-62 bps YoY

Tier 1 Leverage Ratio

12.17%+48 bps YoY

NIM

5.82%Q2 ’246.14%Q2 ’256.01%Q2 ’26+11%-1%

Non-interest income vs. expense

2.76%Q2 ’242.95%Q2 ’252.92%Q2 ’26+6%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.58%1.78%1.82%1.82%1.86%1.71%1.80%-2 bps
Return on Equity14.61%14.09%15.03%15.45%15.48%15.75%14.50%15.17%-28 bps
Net Interest Margin4.29%4.35%4.64%4.62%4.61%4.59%4.57%4.59%-3 bps
Efficiency Ratio56.92%57.57%55.30%54.63%54.76%54.79%55.48%54.01%-62 bps
Non-Interest Burden2.13%2.20%2.25%2.19%2.18%2.16%2.22%2.12%-7 bps
Growth
Asset Growth (YoY)6.34%2.91%0.57%3.84%6.09%12.60%12.89%10.06%+623 bps
Loan Growth (YoY)4.21%7.98%12.89%12.21%8.48%5.20%2.32%5.45%-676 bps
Deposit Growth (YoY)5.09%3.14%3.05%7.08%9.78%12.66%12.95%9.72%+264 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.23%0.13%0.14%0.41%0.29%0.29%0.24%+10 bps
Net Charge-Offs / Loans0.02%0.12%0.02%-0.01%0.00%0.06%0.00%0.02%+3 bps
Allowance / Loans1.43%1.38%1.44%1.48%1.50%1.44%1.54%1.53%+4 bps
Allowance Coverage of NPLs8.6x6.0x11.0x10.7x3.6x4.9x5.4x6.4x-4.2x
Capital
Tier 1 Leverage Ratio11.44%11.55%11.65%11.68%11.82%11.91%11.92%12.17%+48 bps
Total Risk-Based Capital11.44%11.55%11.65%11.68%11.82%11.91%11.92%12.17%+48 bps
Equity / Assets11.30%11.97%11.65%11.71%11.71%11.93%11.63%11.98%+27 bps
Liquidity & Funding
Loans / Deposits88.28%92.40%88.67%88.19%87.24%86.29%80.32%84.76%-343 bps
Liquid Assets / Assets20.03%13.34%17.04%17.93%19.60%20.52%26.13%21.85%+391 bps
CRE / Total Capitaln/an/an/an/a209%214%212%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

State Bank of de Kalb

De Kalb, TX · Cert 15463 · Peer group: banks under $1B in assets in TX (n=208-211)

State charter, non-member · FDIC · 7 branches

Q2 2026

$519.9MAssets
$385.8MLoans
$455.1MDeposits
$62.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 85% of banks under $1B in assets in TX (rank 32 of 211).
  • Widest gap: total risk-based capital ratio trails 69% of banks under $1B in assets in TX (rank 146 of 211).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.77%

Rank 38 of 211

Net Interest Margin

4.59%

Rank 32 of 211

Efficiency Ratio

54.25%

Rank 61 of 211

Equity / Assets

11.98%

Rank 80 of 211

Non-interest income vs. expense

$4.1M$14.9MINCOMEEXPENSE
Unfavorable gap of $10.8M · efficiency ratio beats 72% of banks under $1B in assets in TX
Bank 54.25%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.77%0.87%1.20%1.65%Beats 82%38 / 211
Return on Equity14.74%7.52%11.67%14.58%Beats 76%51 / 211
Net Interest Margin4.59%3.28%3.82%4.31%Beats 85%32 / 211
Efficiency Ratio54.25%53.01%64.18%73.65%Beats 72%61 / 211
Asset Quality
Nonperforming Loans / Loans0.24%0.01%0.30%1.10%Beats 54%96 / 208
Net Charge-Offs / Loans0.02%0.00%0.01%0.06%Beats 46%113 / 208
Capital
Tier 1 Capital Ratio12.17%11.72%14.45%19.57%Beats 31%145 / 211
Total Risk-Based Capital Ratio12.17%11.94%14.78%20.30%Beats 31%146 / 211
Equity / Assets11.98%9.41%11.06%12.94%Beats 62%80 / 211
Liquidity & Funding
Loans / Deposits84.76%45.39%66.56%82.03%79th pctl43 / 208
Loans / Assets74.20%39.13%56.90%70.46%85th pctl32 / 211
Brokered Deposits / Depositsn/aNot reported for this institution