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First State Bank

Paint Rock, TX · Cert 17775 · Paint Rock Bancshares Inc.

State charter, non-member · FDIC · 2 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

90

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

Paint Rock, TX · Cert 17775 · Paint Rock Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$174.3MAssets
$58.6MLoans
$148.1MDeposits
$24.3MEquity
Loan mix
64%RE $25.6M23%C&I $9.1M13%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $93.4M37%Noninterest $54.7MQ2 2025Q2 2026

NIM

5.42%Q2 ’245.01%Q2 ’254.83%Q2 ’26-12%-3%

Non-interest income vs. expense

1.91%Q2 ’241.82%Q2 ’251.72%Q2 ’26-2%-6%

Market Position · San Angelo, TX · 2026 SOD (annual) · 2.4% share · #10 of 15 inst. · $0.1B of $3.4B

2.5% Tom Green
69.1% Concho

Executive Summary

  • Earnings: ROA of 1.62%, down 19 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 1.90% of loans (-17 bps YoY), with net charge-offs at 1.05%.
  • Capital: tier 1 leverage ratio of 14.14%, down 15 bps from a year ago.
  • Funding: loans stand at 39.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.62%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.76%-11 bps YoY

Efficiency Ratio (YTD, annualized)

42.85%-128 bps YoY

Tier 1 Leverage Ratio

14.14%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%1.83%1.78%1.81%1.62%-19 bps
Return on Equity13.51%13.57%13.14%13.51%11.93%-157 bps
Net Interest Margin3.87%3.87%3.74%3.69%3.76%-11 bps
Efficiency Ratio44.13%43.08%42.43%41.83%42.85%-128 bps
Non-Interest Burden1.57%1.51%1.44%1.41%1.47%-10 bps
Growth
Asset Growth (YoY)11.28%11.17%9.73%10.68%8.43%-286 bps
Loan Growth (YoY)3.08%-0.52%3.91%-0.81%1.88%-120 bps
Deposit Growth (YoY)11.34%11.44%9.41%10.70%8.36%-298 bps
Asset Quality
Nonperforming Loans / Loans2.07%2.39%1.74%1.27%1.90%-17 bps
Net Charge-Offs / Loans0.06%0.04%0.03%0.56%1.05%+100 bps
Allowance / Loans1.93%1.90%2.09%1.99%1.96%+3 bps
Allowance Coverage of NPLs0.9x0.8x1.2x1.6x1.0x+0.1x
Capital
Tier 1 Leverage Ratio14.29%14.59%14.29%13.66%14.14%-15 bps
Total Risk-Based Capital14.29%14.59%14.29%13.66%14.14%-15 bps
Equity / Assets13.89%13.80%13.66%13.08%13.96%+8 bps
Liquidity & Funding
Loans / Deposits42.08%40.73%40.51%37.05%39.56%-252 bps
Liquid Assets / Assets45.15%45.09%44.61%48.33%46.42%+126 bps
CRE / Total Capitaln/a33.96%32.28%31.82%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

Paint Rock, TX · Cert 17775 · Peer group: banks under $1B in assets in TX (n=208-211) · Paint Rock Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$174.3MAssets
$58.6MLoans
$148.1MDeposits
$24.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 90% of banks under $1B in assets in TX (rank 23 of 211).
  • Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets in TX (rank 204 of 208).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.65%

Rank 53 of 211

Net Interest Margin

3.76%

Rank 114 of 211

Efficiency Ratio

42.85%

Rank 23 of 211

Equity / Assets

13.96%

Rank 37 of 211

Non-interest income vs. expense

$0.4M$3.0MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 90% of banks under $1B in assets in TX
Bank 42.85%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.65%0.87%1.20%1.65%Beats 75%53 / 211
Return on Equity11.80%7.52%11.67%14.58%Beats 51%103 / 211
Net Interest Margin3.76%3.28%3.82%4.31%Beats 46%114 / 211
Efficiency Ratio42.85%53.01%64.18%73.65%Beats 90%23 / 211
Asset Quality
Nonperforming Loans / Loans1.90%0.01%0.30%1.10%Beats 16%175 / 208
Net Charge-Offs / Loans0.53%0.00%0.01%0.06%Beats 2%204 / 208
Capital
Tier 1 Capital Ratio14.14%11.72%14.45%19.57%Beats 47%111 / 211
Total Risk-Based Capital Ratio14.14%11.94%14.78%20.30%Beats 45%116 / 211
Equity / Assets13.96%9.41%11.06%12.94%Beats 82%37 / 211
Liquidity & Funding
Loans / Deposits39.56%45.39%66.56%82.03%17th pctl173 / 208
Loans / Assets33.60%39.13%56.90%70.46%17th pctl176 / 211
Brokered Deposits / Depositsn/aNot reported for this institution