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First State Bank of Bedias

Bedias, TX · Cert 16895 · Bedias Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$224.8MAssets
$124.7MLoans
$184.7MDeposits
$38.9MEquity
Loan mix
65%RE $67.9M25%C&I $26.0M9%Consumer $9.8MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $129.6M30%Noninterest $55.1MQ2 2025Q2 2026

NIM

6.15%Q2 ’245.69%Q2 ’255.63%Q2 ’26-15%+1%

Non-interest income vs. expense

2.42%Q2 ’242.34%Q2 ’252.24%Q2 ’260%-3%

Market Position · College Station-Bryan, TX · 2026 SOD (annual) · 0.8% share · #18 of 26 inst. · $0.1B of $9.1B

19.5% Grimes
0.9% Brazos

Executive Summary

  • Earnings: ROA of 2.03%, up 10 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 2.01% of loans (+121 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 17.94%, down 25 bps from a year ago.
  • Funding: loans stand at 67.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.03%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+5 bps YoY

Efficiency Ratio (YTD, annualized)

47.11%-205 bps YoY

Tier 1 Leverage Ratio

17.94%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%1.93%1.90%1.98%2.03%+10 bps
Return on Equity11.16%11.16%10.88%11.09%11.46%+30 bps
Net Interest Margin4.25%4.25%4.28%4.39%4.30%+5 bps
Efficiency Ratio49.16%49.69%48.40%48.56%47.11%-205 bps
Non-Interest Burden1.83%1.86%1.81%1.88%1.78%-5 bps
Growth
Asset Growth (YoY)6.35%5.99%6.08%6.16%7.65%+129 bps
Loan Growth (YoY)0.78%2.11%3.57%3.69%-1.17%-195 bps
Deposit Growth (YoY)5.65%5.63%5.12%5.58%7.51%+186 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.74%0.53%0.33%2.01%+121 bps
Net Charge-Offs / Loans0.07%0.12%0.21%0.28%0.21%+14 bps
Allowance / Loans1.42%1.36%1.47%1.44%1.39%-3 bps
Allowance Coverage of NPLs1.8x1.8x2.7x4.3x0.7x-1.1x
Capital
Tier 1 Leverage Ratio18.19%18.01%18.35%18.38%17.94%-25 bps
Total Risk-Based Capital18.19%18.01%18.35%18.38%17.94%-25 bps
Equity / Assets17.18%17.49%18.15%17.63%17.32%+14 bps
Liquidity & Funding
Loans / Deposits73.43%72.15%73.23%67.83%67.51%-593 bps
Liquid Assets / Assets11.27%10.54%9.15%14.22%13.85%+258 bps
CRE / Total Capitaln/a86.07%83.80%84.31%n/an/a