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Coleman County State Bank

Coleman, TX · Cert 15480 · Coleman Bancshares Inc.

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

34

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

58

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

Coleman County State Bank

Coleman, TX · Cert 15480 · Coleman Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$295.1MAssets
$176.7MLoans
$267.1MDeposits
$26.2MEquity
Loan mix
89%RE $143.8M8%C&I $12.9M3%Consumer $5.0MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $170.8M36%Noninterest $96.3MQ3 2024Q2 2026

Market Position · Abilene, TX · 2026 SOD (annual) · 1.7% share · #8 of 18 inst. · $0.1B of $5.5B

65.3% Coleman
1.8% Taylor
0.2% Tom Green

Executive Summary

  • Earnings: ROA of 1.61%, down 23 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 0.05% of loans (-36 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.56%, down 30 bps from a year ago.
  • Funding: loans stand at 66.17% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.61%-23 bps YoY

Net Interest Margin (YTD, annualized)

4.86%-26 bps YoY

Efficiency Ratio (YTD, annualized)

60.22%+572 bps YoY

Tier 1 Leverage Ratio

8.56%-30 bps YoY

NIM

6.06%Q2 ’246.47%Q2 ’256.03%Q2 ’26+15%-5%

Non-interest income vs. expense

3.42%Q2 ’243.19%Q2 ’253.29%Q2 ’26-11%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.40%1.90%1.84%1.79%1.65%1.63%1.61%-23 bps
Return on Equity17.07%16.81%21.90%22.57%21.36%19.41%18.48%18.22%-435 bps
Net Interest Margin4.53%4.65%5.13%5.12%4.78%4.46%4.75%4.86%-26 bps
Efficiency Ratio62.73%63.99%57.34%54.50%56.09%60.09%59.45%60.22%+572 bps
Non-Interest Burden2.61%2.74%2.63%2.46%2.38%2.41%2.60%2.69%+23 bps
Growth
Asset Growth (YoY)9.18%6.92%8.11%37.54%32.90%36.39%31.81%3.03%-3,451 bps
Loan Growth (YoY)26.02%17.87%11.77%15.59%15.65%9.79%18.57%9.74%-586 bps
Deposit Growth (YoY)8.22%6.36%7.49%38.56%32.44%36.47%31.97%1.74%-3,682 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.13%0.47%0.41%0.09%0.08%0.05%0.05%-36 bps
Net Charge-Offs / Loans0.04%0.05%0.02%0.02%0.03%0.03%0.02%0.02%0 bps
Allowance / Loans1.00%1.05%0.98%0.95%0.93%1.02%0.94%0.98%+3 bps
Allowance Coverage of NPLs8.2x8.3x2.1x2.3x10.3x12.4x18.0x19.9x+17.6x
Capital
Tier 1 Leverage Ratio9.28%9.45%9.51%8.86%9.13%8.24%8.42%8.56%-30 bps
Total Risk-Based Capital14.26%14.56%14.80%12.59%13.91%13.98%13.53%13.89%+130 bps
Equity / Assets8.59%8.69%8.64%7.42%8.99%8.82%8.82%8.87%+145 bps
Liquidity & Funding
Loans / Deposits77.61%76.89%73.55%61.35%67.77%61.86%66.09%66.17%+482 bps
Liquid Assets / Assets4.95%4.10%10.01%15.34%10.25%12.73%7.77%8.37%-697 bps
CRE / Total Capitaln/an/an/an/a301%298%288%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

Coleman County State Bank

Coleman, TX · Cert 15480 · Peer group: banks under $1B in assets in TX (n=208-211) · Coleman Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$295.1MAssets
$176.7MLoans
$267.1MDeposits
$26.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of banks under $1B in assets in TX (rank 19 of 211).
  • Widest gap: equity / assets trails 82% of banks under $1B in assets in TX (rank 174 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.59%

Rank 58 of 211

Net Interest Margin

4.86%

Rank 19 of 211

Efficiency Ratio

60.64%

Rank 90 of 211

Equity / Assets

8.87%

Rank 174 of 211

Non-interest income vs. expense

$1.8M$9.5MINCOMEEXPENSE
Unfavorable gap of $7.8M · efficiency ratio beats 58% of banks under $1B in assets in TX
Bank 60.64%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.59%0.87%1.20%1.65%Beats 73%58 / 211
Return on Equity17.98%7.52%11.67%14.58%Beats 90%21 / 211
Net Interest Margin4.86%3.28%3.82%4.31%Beats 91%19 / 211
Efficiency Ratio60.64%53.01%64.18%73.65%Beats 58%90 / 211
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.30%1.10%Beats 68%68 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 49%108 / 208
Capital
Tier 1 Capital Ratio12.90%11.72%14.45%19.57%Beats 40%127 / 211
Total Risk-Based Capital Ratio13.89%11.94%14.78%20.30%Beats 43%121 / 211
Equity / Assets8.87%9.41%11.06%12.94%Beats 18%174 / 211
Liquidity & Funding
Loans / Deposits66.17%45.39%66.56%82.03%49th pctl106 / 208
Loans / Assets59.88%39.13%56.90%70.46%56th pctl92 / 211
Brokered Deposits / Depositsn/aNot reported for this institution