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Texas Bank and Trust Company

Longview, TX · Cert 17842 · RJ Pope Management Gp LLC

State charter, non-member · FDIC · 21 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=268 to 269). 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

80

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

67

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

Texas Bank and Trust Company

Longview, TX · Cert 17842 · RJ Pope Management Gp LLC

State charter, non-member · FDIC · 21 branches

Q2 2026

$4.3BAssets
$3.4BLoans
$3.8BDeposits
$559.9MEquity
Loan mix
90%RE $3.0B9%C&I $0.3B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $2.6B30%Noninterest $1.1BQ2 2025Q2 2026

NIM

4.68%Q2 ’244.84%Q2 ’255.11%Q2 ’26+19%+20%

Non-interest income vs. expense

2.22%Q2 ’242.25%Q2 ’252.40%Q2 ’26+13%+5%

Market Position · Longview, TX · 2026 SOD (annual) · 23.0% share · #1 of 25 inst. · $1.8B of $8.0B

34.6% Gregg
7.6% Smith
1.4% Collin
21.6% Van Zandt

Executive Summary

  • Earnings: ROA of 1.54%, up 37 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.61% of loans (+32 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.10%, up 144 bps from a year ago.
  • Funding: loans stand at 91.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.54%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+59 bps YoY

Efficiency Ratio (YTD, annualized)

54.69%-559 bps YoY

Tier 1 Leverage Ratio

13.10%+144 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.25%1.32%1.44%1.54%+37 bps
Return on Equity10.57%11.20%11.63%11.87%12.39%+182 bps
Net Interest Margin2.99%3.08%3.16%3.47%3.58%+59 bps
Efficiency Ratio60.28%58.59%57.81%56.65%54.69%-559 bps
Non-Interest Burden1.50%1.47%1.49%1.63%1.57%+8 bps
Growth
Asset Growth (YoY)0.99%-1.72%0.30%1.22%-0.08%-106 bps
Loan Growth (YoY)1.01%-1.01%-2.17%-3.18%-1.66%-267 bps
Deposit Growth (YoY)2.72%0.75%-1.37%0.46%-1.17%-389 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.28%0.40%0.29%0.61%+32 bps
Net Charge-Offs / Loans0.07%0.06%0.05%0.01%0.01%-6 bps
Allowance / Loans1.22%1.21%1.20%1.22%1.22%0 bps
Allowance Coverage of NPLs4.2x4.3x3.0x4.2x2.0x-2.2x
Capital
Tier 1 Leverage Ratio11.66%11.92%12.29%12.52%13.10%+144 bps
Total Risk-Based Capital15.31%15.64%16.42%17.08%17.10%+179 bps
Equity / Assets11.45%11.70%12.17%12.11%12.90%+146 bps
Liquidity & Funding
Loans / Deposits91.98%90.97%90.19%87.05%91.52%-46 bps
Liquid Assets / Assets3.51%5.35%6.50%9.99%5.78%+227 bps
CRE / Total Capitaln/a425%403%390%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

Texas Bank and Trust Company

Longview, TX · Cert 17842 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · RJ Pope Management Gp LLC

State charter, non-member · FDIC · 21 branches

Q2 2026

$4.3BAssets
$3.4BLoans
$3.8BDeposits
$559.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 42 of 269).
  • Widest gap: nonperforming loans / loans trails 67% of banks $1B-$10B in assets operating in a single state (rank 182 of 269).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.55%

Rank 67 of 269

Net Interest Margin

3.58%

Rank 119 of 269

Efficiency Ratio

54.69%

Rank 89 of 268

Equity / Assets

12.90%

Rank 42 of 269

Non-interest income vs. expense

$35.8M$104.0MINCOMEEXPENSE
Unfavorable gap of $68.2M · efficiency ratio beats 67% of banks $1B-$10B in assets operating in a single state
Bank 54.69%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.55%0.93%1.23%1.54%Beats 75%67 / 269
Return on Equity12.05%9.13%11.77%14.52%Beats 52%129 / 269
Net Interest Margin3.58%3.16%3.50%3.88%Beats 56%119 / 269
Efficiency Ratio54.69%51.70%60.21%69.66%Beats 67%89 / 268
Asset Quality
Nonperforming Loans / Loans0.61%0.19%0.45%0.89%Beats 33%182 / 269
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 74%72 / 269
Capital
Tier 1 Capital Ratio15.85%11.29%13.10%15.21%Beats 77%61 / 269
Total Risk-Based Capital Ratio17.10%12.04%13.91%16.33%Beats 80%54 / 269
Equity / Assets12.90%9.18%10.29%11.76%Beats 84%42 / 269
Liquidity & Funding
Loans / Deposits91.52%72.68%86.29%95.72%65th pctl94 / 269
Loans / Assets79.10%62.46%72.27%78.37%77th pctl62 / 269
Brokered Deposits / Depositsn/aNot reported for this institution