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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 $1.4MQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $35.1M32%Noninterest $16.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.26%, down 57 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.37% of loans (-182 bps YoY), with net charge-offs at 0.07%.
  • 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.

Return on Assets (quarter, annualized)

1.26%-57 bps YoY

Net Interest Margin (quarter, annualized)

4.55%-50 bps YoY

Efficiency Ratio (quarter, annualized)

66.53%+837 bps YoY

Tier 1 Leverage Ratio

10.64%-56 bps YoY

NIM

5.05%Q2 ’245.19%Q2 ’255.47%Q2 ’26+9%-10%

Non-interest income vs. expense

2.85%Q2 ’243.21%Q2 ’253.39%Q2 ’26+13%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.76%1.61%1.83%-0.34%1.47%1.28%1.26%-57 bps
Return on Equity16.97%20.35%18.62%18.60%-3.26%14.78%13.29%12.65%-595 bps
Net Interest Margin4.90%4.90%4.99%5.05%5.32%4.80%4.47%4.55%-50 bps
Efficiency Ratio67.02%59.25%63.28%58.17%58.57%62.13%64.92%66.53%+837 bps
Non-Interest Burden3.14%2.71%3.00%2.74%2.89%2.78%2.74%2.84%+11 bps
Growth
Asset Growth (YoY)-11.25%-6.94%-12.31%-7.85%3.15%4.40%7.65%8.54%+1,639 bps
Loan Growth (YoY)-15.02%-10.83%-11.93%0.53%3.26%-2.61%-2.69%1.32%+79 bps
Deposit Growth (YoY)-14.85%-8.90%-14.90%-10.93%2.11%2.64%7.43%9.09%+2,001 bps
Asset Quality
Nonperforming Loans / Loans2.64%2.41%2.13%2.19%1.08%1.25%0.22%0.37%-182 bps
Net Charge-Offs / Loans0.06%0.00%0.66%0.04%0.26%1.06%0.44%0.07%+4 bps
Allowance / Loans2.45%2.38%2.22%2.23%2.46%2.37%2.36%2.27%+3 bps
Allowance Coverage of NPLs0.9x1.0x1.0x1.0x2.3x1.9x10.8x6.1x+5.1x
Capital
Tier 1 Leverage Ratio10.30%9.65%10.17%11.21%11.14%9.98%9.93%10.64%-56 bps
Total Risk-Based Capital22.26%9.65%10.17%11.21%11.14%9.98%9.93%10.64%-56 bps
Equity / Assets9.26%8.05%9.26%10.43%10.18%9.67%9.57%10.39%-3 bps
Liquidity & Funding
Loans / Deposits40.67%39.79%41.74%44.35%41.13%37.76%37.81%41.20%-316 bps
Liquid Assets / Assets0.07%0.07%0.07%0.07%2.05%11.06%0.07%0.07%-1 bps
CRE / Total Capitaln/an/an/an/a100.51%103.87%98.50%n/an/a