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Plains State Bank

Humble, TX · Cert 17739 · Plains Acquisition Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$828.4MAssets
$622.2MLoans
$685.8MDeposits
$136.9MEquity
Loan mix
84%RE $519.7M10%C&I $58.5M6%Consumer $37.7MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $531.0M23%Noninterest $154.8MQ2 2025Q2 2026

NIM

7.09%Q2 ’246.63%Q2 ’256.30%Q2 ’26-7%-2%

Non-interest income vs. expense

2.63%Q2 ’242.78%Q2 ’252.50%Q2 ’26+3%+7%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #48 of 107 inst. · $0.5B of $360.4B

0.2% Harris
45.3% Yoakum
0.1% Montgomery
0.1% Fort Bend

Executive Summary

  • Earnings: ROA of 1.64%, down 18 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 4.41% of loans (+279 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 16.47%, up 84 bps from a year ago.
  • Funding: loans stand at 90.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.64%-18 bps YoY

Net Interest Margin (YTD, annualized)

4.41%-10 bps YoY

Efficiency Ratio (YTD, annualized)

55.02%+57 bps YoY

Tier 1 Leverage Ratio

16.47%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.90%2.25%1.46%1.64%-18 bps
Return on Equity11.69%11.90%13.79%8.23%9.43%-226 bps
Net Interest Margin4.51%4.65%4.59%4.11%4.41%-10 bps
Efficiency Ratio54.45%52.90%48.83%57.58%55.02%+57 bps
Non-Interest Burden2.19%2.17%1.75%2.34%2.36%+16 bps
Growth
Asset Growth (YoY)-0.11%-4.24%0.69%-9.44%-2.71%-259 bps
Loan Growth (YoY)3.62%3.63%-2.56%-2.61%-6.08%-970 bps
Deposit Growth (YoY)-1.88%-6.79%-1.47%-13.08%-2.51%-63 bps
Asset Quality
Nonperforming Loans / Loans1.62%1.77%2.16%2.42%4.41%+279 bps
Net Charge-Offs / Loans0.00%-0.01%-0.09%-0.02%0.01%+1 bps
Allowance / Loans1.33%1.35%1.55%1.64%1.63%+30 bps
Allowance Coverage of NPLs0.8x0.8x0.7x0.7x0.4x-0.4x
Capital
Tier 1 Leverage Ratio15.63%16.54%17.80%17.30%16.47%+84 bps
Total Risk-Based Capital15.63%16.54%17.80%17.30%16.47%+84 bps
Equity / Assets16.54%17.36%17.49%18.09%16.53%-2 bps
Liquidity & Funding
Loans / Deposits94.18%97.28%89.80%91.62%90.73%-345 bps
Liquid Assets / Assets11.59%9.62%16.69%15.87%14.96%+337 bps
CRE / Total Capitaln/a358%319%318%n/an/a