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First State Bank of Livingston

Livingston, TX · Cert 15898 · East Texas Bancshares Inc.

State charter, Fed member · FED · 8 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

16

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 2026-10-10

First State Bank of Livingston

Livingston, TX · Cert 15898 · East Texas Bancshares Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

$689.3MAssets
$216.1MLoans
$595.5MDeposits
$90.8MEquity
Loan mix
73%RE $100.0M13%C&I $17.4M15%Consumer $19.9MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $397.5M33%Noninterest $198.0MQ2 2025Q2 2026

NIM

4.55%Q2 ’244.40%Q2 ’254.23%Q2 ’26+0%+3%

Non-interest income vs. expense

2.36%Q2 ’242.41%Q2 ’252.47%Q2 ’26+5%-1%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #94 of 107 inst. · $0.0B of $360.4B

37.3% Polk
38.5% Jasper
12.2% Tyler
14.0% San Jacinto

Executive Summary

  • Earnings: ROA of 1.05%, up 9 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 1.93% of loans (+129 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 15.52%, up 38 bps from a year ago.
  • Funding: loans stand at 36.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+8 bps YoY

Efficiency Ratio (YTD, annualized)

68.50%-140 bps YoY

Tier 1 Leverage Ratio

15.52%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.90%0.95%0.96%1.05%+9 bps
Return on Equity8.18%7.53%7.85%7.68%8.20%+2 bps
Net Interest Margin2.93%3.00%3.01%2.90%3.00%+8 bps
Efficiency Ratio69.90%70.19%69.42%70.34%68.50%-140 bps
Non-Interest Burden1.89%1.94%1.91%1.88%1.87%-2 bps
Growth
Asset Growth (YoY)-2.35%0.78%0.33%0.51%1.59%+394 bps
Loan Growth (YoY)4.12%2.20%0.46%-1.43%-1.17%-530 bps
Deposit Growth (YoY)-2.78%0.88%-1.16%-0.39%0.38%+316 bps
Asset Quality
Nonperforming Loans / Loans0.64%1.72%2.48%1.95%1.93%+129 bps
Net Charge-Offs / Loans0.08%0.06%0.06%0.04%0.04%-5 bps
Allowance / Loans1.09%1.23%1.21%1.22%1.22%+12 bps
Allowance Coverage of NPLs1.7x0.7x0.5x0.6x0.6x-1.1x
Capital
Tier 1 Leverage Ratio15.15%15.91%15.65%14.98%15.52%+38 bps
Total Risk-Based Capital15.15%15.91%15.65%14.98%15.52%+38 bps
Equity / Assets12.10%12.81%12.61%12.49%13.18%+108 bps
Liquidity & Funding
Loans / Deposits36.86%36.54%35.79%34.45%36.29%-57 bps
Liquid Assets / Assets1.49%6.61%7.78%8.81%4.13%+263 bps
CRE / Total Capitaln/a41.70%40.88%39.63%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 2026-10-10

First State Bank of Livingston

Livingston, TX · Cert 15898 · Peer group: banks under $1B in assets in TX (n=208-211) · East Texas Bancshares Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

$689.3MAssets
$216.1MLoans
$595.5MDeposits
$90.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 77% of banks under $1B in assets in TX (rank 49 of 211).
  • Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets in TX (rank 176 of 208).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.07%

Rank 122 of 211

Net Interest Margin

3.00%

Rank 174 of 211

Efficiency Ratio

68.50%

Rank 137 of 211

Equity / Assets

13.18%

Rank 49 of 211

Non-interest income vs. expense

$4.4M$18.0MINCOMEEXPENSE
Unfavorable gap of $13.6M · efficiency ratio beats 36% of banks under $1B in assets in TX
Bank 68.50%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.87%1.20%1.65%Beats 42%122 / 211
Return on Equity8.14%7.52%11.67%14.58%Beats 29%149 / 211
Net Interest Margin3.00%3.28%3.82%4.31%Beats 18%174 / 211
Efficiency Ratio68.50%53.01%64.18%73.65%Beats 36%137 / 211
Asset Quality
Nonperforming Loans / Loans1.93%0.01%0.30%1.10%Beats 16%176 / 208
Net Charge-Offs / Loans0.03%0.00%0.01%0.06%Beats 40%125 / 208
Capital
Tier 1 Capital Ratio15.52%11.72%14.45%19.57%Beats 58%89 / 211
Total Risk-Based Capital Ratio15.52%11.94%14.78%20.30%Beats 53%99 / 211
Equity / Assets13.18%9.41%11.06%12.94%Beats 77%49 / 211
Liquidity & Funding
Loans / Deposits36.29%45.39%66.56%82.03%13th pctl180 / 208
Loans / Assets31.36%39.13%56.90%70.46%15th pctl180 / 211
Brokered Deposits / Depositsn/aNot reported for this institution