PackageTrendsPeer
Letter portraitLegal landscape

First State Bank

Junction, TX · Cert 16643 · Kimble County Bancshares Inc.

State charter, Fed member · FED · 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

43

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

First State Bank

Junction, TX · Cert 16643 · Kimble County Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$58.2MAssets
$21.4MLoans
$51.9MDeposits
$6.0MEquity
Loan mix
81%RE $16.1M11%C&I $2.3M7%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $35.1M32%Noninterest $16.8MQ2 2025Q2 2026

NIM

4.93%Q2 ’245.31%Q2 ’255.56%Q2 ’26+16%-11%

Non-interest income vs. expense

2.83%Q2 ’243.43%Q2 ’253.38%Q2 ’26+23%-4%

Executive Summary

  • Earnings: ROA of 1.27%, down 44 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 0.37% of loans (-182 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 10.64%, down 56 bps from a year ago.
  • Funding: loans stand at 41.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.61%-56 bps YoY

Efficiency Ratio (YTD, annualized)

65.72%+494 bps YoY

Tier 1 Leverage Ratio

10.64%-56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.72%1.05%1.16%1.28%1.27%-44 bps
Return on Equity18.64%11.06%12.16%13.29%12.90%-574 bps
Net Interest Margin5.18%5.23%4.81%4.47%4.61%-56 bps
Efficiency Ratio60.78%60.03%60.56%64.92%65.72%+494 bps
Non-Interest Burden2.96%2.94%2.73%2.74%2.85%-11 bps
Growth
Asset Growth (YoY)-7.85%3.15%4.40%7.65%8.54%+1,639 bps
Loan Growth (YoY)0.53%3.26%-2.61%-2.69%1.32%+79 bps
Deposit Growth (YoY)-10.93%2.11%2.64%7.43%9.09%+2,001 bps
Asset Quality
Nonperforming Loans / Loans2.19%1.08%1.25%0.22%0.37%-182 bps
Net Charge-Offs / Loans0.35%0.32%0.51%0.44%0.25%-10 bps
Allowance / Loans2.23%2.46%2.37%2.36%2.27%+3 bps
Allowance Coverage of NPLs1.0x2.3x1.9x10.8x6.1x+5.1x
Capital
Tier 1 Leverage Ratio11.21%11.14%9.98%9.93%10.64%-56 bps
Total Risk-Based Capital11.21%11.14%9.98%9.93%10.64%-56 bps
Equity / Assets10.43%10.18%9.67%9.57%10.39%-3 bps
Liquidity & Funding
Loans / Deposits44.35%41.13%37.76%37.81%41.20%-316 bps
Liquid Assets / Assets0.07%2.05%11.06%0.07%0.07%-1 bps
CRE / Total Capitaln/a100.51%103.87%98.50%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

First State Bank

Junction, TX · Cert 16643 · Peer group: banks under $1B in assets in TX (n=208-211) · Kimble County Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$58.2MAssets
$21.4MLoans
$51.9MDeposits
$6.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 87% of banks under $1B in assets in TX (rank 27 of 211).
  • Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets in TX (rank 181 of 208).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.31%

Rank 86 of 211

Net Interest Margin

4.61%

Rank 27 of 211

Efficiency Ratio

65.72%

Rank 121 of 211

Equity / Assets

10.39%

Rank 128 of 211

Non-interest income vs. expense

$0.3M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 43% of banks under $1B in assets in TX
Bank 65.72%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.87%1.20%1.65%Beats 59%86 / 211
Return on Equity12.64%7.52%11.67%14.58%Beats 57%91 / 211
Net Interest Margin4.61%3.28%3.82%4.31%Beats 87%27 / 211
Efficiency Ratio65.72%53.01%64.18%73.65%Beats 43%121 / 211
Asset Quality
Nonperforming Loans / Loans0.37%0.01%0.30%1.10%Beats 47%112 / 208
Net Charge-Offs / Loans0.15%0.00%0.01%0.06%Beats 13%181 / 208
Capital
Tier 1 Capital Ratio10.64%11.72%14.45%19.57%Beats 16%178 / 211
Total Risk-Based Capital Ratio10.64%11.94%14.78%20.30%Beats 15%180 / 211
Equity / Assets10.39%9.41%11.06%12.94%Beats 39%128 / 211
Liquidity & Funding
Loans / Deposits41.20%45.39%66.56%82.03%19th pctl168 / 208
Loans / Assets36.70%39.13%56.90%70.46%22nd pctl165 / 211
Brokered Deposits / Depositsn/aNot reported for this institution