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Maverick Bank

Fort Davis, TX · Cert 17446 · Maverick Bancshares Inc.

State charter, non-member · FDIC · 9 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

88

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

Maverick Bank

Fort Davis, TX · Cert 17446 · Maverick Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$809.1MAssets
$454.6MLoans
$710.5MDeposits
$94.0MEquity
Loan mix
71%RE $272.5M27%C&I $105.3M1%Consumer $5.5MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $430.9M39%Noninterest $279.6MQ2 2025Q2 2026

NIM

5.47%Q2 ’246.03%Q2 ’255.53%Q2 ’26+8%+0%

Non-interest income vs. expense

2.88%Q2 ’242.85%Q2 ’252.20%Q2 ’26+3%-31%

Market Position · Lubbock, TX · 2026 SOD (annual) · 1.7% share · #15 of 31 inst. · $0.2B of $14.3B

65.8% Ward
1.5% Lubbock
100.0% Jeff Davis
6.7% Hockley

Executive Summary

  • Earnings: ROA of 2.43%, up 113 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 0.01% of loans (-8 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.81%, down 27 bps from a year ago.
  • Funding: loans stand at 63.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.43%+113 bps YoY

Net Interest Margin (YTD, annualized)

4.57%0 bps YoY

Efficiency Ratio (YTD, annualized)

43.16%-1,472 bps YoY

Tier 1 Leverage Ratio

8.81%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.40%1.90%2.25%2.43%+113 bps
Return on Equity11.86%12.92%17.79%20.56%21.67%+981 bps
Net Interest Margin4.56%4.30%4.08%5.07%4.57%0 bps
Efficiency Ratio57.88%55.85%50.33%46.72%43.16%-1,472 bps
Non-Interest Burden2.50%2.27%1.69%2.19%1.71%-78 bps
Growth
Asset Growth (YoY)33.11%47.87%63.07%133.90%122.07%+8,895 bps
Loan Growth (YoY)133.97%107.69%76.65%123.83%106.04%-2,793 bps
Deposit Growth (YoY)35.99%51.42%65.95%132.11%119.24%+8,325 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.01%0.01%0.01%0.01%-8 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.01%0.01%0 bps
Allowance / Loans1.05%1.05%1.12%1.24%1.23%+18 bps
Allowance Coverage of NPLs11.3x159.6x79.1x155.4x136.6x+125.3x
Capital
Tier 1 Leverage Ratio9.08%9.05%8.78%9.77%8.81%-27 bps
Total Risk-Based Capital9.08%9.05%8.78%9.77%8.81%-27 bps
Equity / Assets10.47%10.51%10.26%11.38%11.62%+114 bps
Liquidity & Funding
Loans / Deposits68.08%69.44%64.62%61.85%63.98%-410 bps
Liquid Assets / Assets12.06%6.90%7.97%11.69%3.76%-830 bps
CRE / Total Capitaln/a250%256%256%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

Maverick Bank

Fort Davis, TX · Cert 17446 · Peer group: banks under $1B in assets in TX (n=208-211) · Maverick Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$809.1MAssets
$454.6MLoans
$710.5MDeposits
$94.0MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 93% of banks under $1B in assets in TX (rank 14 of 211).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in TX (rank 210 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.06%

Rank 14 of 211

Net Interest Margin

4.57%

Rank 35 of 211

Efficiency Ratio

44.85%

Rank 27 of 211

Equity / Assets

11.62%

Rank 94 of 211

Non-interest income vs. expense

$3.9M$17.6MINCOMEEXPENSE
Unfavorable gap of $13.7M · efficiency ratio beats 88% of banks under $1B in assets in TX
Bank 44.85%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.06%0.87%1.20%1.65%Beats 93%14 / 211
Return on Equity17.73%7.52%11.67%14.58%Beats 88%25 / 211
Net Interest Margin4.57%3.28%3.82%4.31%Beats 83%35 / 211
Efficiency Ratio44.85%53.01%64.18%73.65%Beats 88%27 / 211
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.30%1.10%Beats 76%50 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 62%82 / 208
Capital
Tier 1 Capital Ratio8.81%11.72%14.45%19.57%Beats 0%210 / 211
Total Risk-Based Capital Ratio8.81%11.94%14.78%20.30%Beats 0%210 / 211
Equity / Assets11.62%9.41%11.06%12.94%Beats 55%94 / 211
Liquidity & Funding
Loans / Deposits63.98%45.39%66.56%82.03%46th pctl113 / 208
Loans / Assets56.19%39.13%56.90%70.46%48th pctl109 / 211
Brokered Deposits / Depositsn/aNot reported for this institution