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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 assets3

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 (n=322 to 328). 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

60

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

65

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 $0.0BQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $2.6B30%Noninterest $1.1BQ3 2024Q2 2026

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.95%0.99%1.04%1.16%1.25%1.32%1.44%1.54%+37 bps
Net Interest Margin2.52%2.55%2.88%2.99%3.08%3.16%3.47%3.58%+59 bps
Non-Interest Burden1.36%1.36%1.55%1.50%1.47%1.49%1.63%1.57%+8 bps
Loan Growth (YoY)2.63%1.29%1.25%1.01%-1.01%-2.17%-3.18%-1.66%-267 bps
Nonperforming Loans / Loans0.17%0.13%0.08%0.29%0.28%0.40%0.29%0.61%+32 bps
Allowance / Loans1.25%1.25%1.21%1.22%1.21%1.20%1.22%1.22%0 bps
Tier 1 Leverage Ratio10.91%10.99%11.31%11.66%11.92%12.29%12.52%13.10%+144 bps
Equity / Assets10.48%10.70%10.88%11.45%11.70%12.17%12.11%12.90%+146 bps
Liquid Assets / Assets4.26%3.54%4.47%3.51%5.35%6.50%9.99%5.78%+227 bps

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 (n=322-328) · RJ Pope Management Gp LLC

State charter, non-member · FDIC · 21 branches

Q2 2026

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

Return on Assets

1.55%

Rank 75 of 328

Net Interest Margin

3.58%

Rank 132 of 328

Efficiency Ratio

54.69%

Rank 116 of 328

Equity / Assets

12.90%

Rank 55 of 328

Non-interest income vs. expense

$35.8M$104.0MINCOMEEXPENSE
Unfavorable gap of $68.2M · efficiency ratio beats 65% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets1.55%0.91%1.22%1.52%Beats 77%75 / 328n/a
Net Interest Margin3.58%3.03%3.45%3.83%Beats 60%132 / 328n/a
Nonperforming Loans / Loans0.61%0.24%0.51%1.03%Beats 43%184 / 322n/a
Tier 1 Capital Ratio15.85%11.75%13.15%15.47%Beats 77%74 / 328n/a
Equity / Assets12.90%9.15%10.33%12.01%Beats 83%55 / 328n/a
Loans / Assets79.10%65.18%74.15%79.98%71st pctl95 / 328n/a