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Freedom Bank

Alamo, TX · Cert 17881 · Aob Ventures Inc.

State charter, non-member · FDIC · 6 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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

22

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

Freedom Bank

Alamo, TX · Cert 17881 · Aob Ventures Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$301.2MAssets
$171.4MLoans
$246.4MDeposits
$37.7MEquity
Loan mix
83%RE $142.4M16%C&I $27.2M1%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $195.2M21%Noninterest $51.2MQ2 2025Q2 2026

NIM

6.43%Q2 ’246.29%Q2 ’256.05%Q2 ’26-2%-3%

Non-interest income vs. expense

2.83%Q2 ’242.62%Q2 ’253.06%Q2 ’26-31%+52%

Market Position · McAllen-Edinburg-Mission, TX · 2026 SOD (annual) · 1.2% share · #13 of 20 inst. · $0.2B of $16.0B

1.2% Hidalgo
43.4% Duval

Executive Summary

  • Earnings: ROA of 0.95%, down 68 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.17% of loans (-23 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 12.15%, down 127 bps from a year ago.
  • Funding: loans stand at 69.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%-68 bps YoY

Net Interest Margin (YTD, annualized)

3.68%-11 bps YoY

Efficiency Ratio (YTD, annualized)

74.73%+1,867 bps YoY

Tier 1 Leverage Ratio

12.15%-127 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.41%1.22%1.08%0.95%-68 bps
Return on Equity11.87%10.44%9.23%8.73%7.60%-427 bps
Net Interest Margin3.78%3.70%3.55%3.69%3.68%-11 bps
Efficiency Ratio56.06%59.24%63.60%74.88%74.73%+1,867 bps
Non-Interest Burden1.75%1.90%2.06%2.68%2.65%+90 bps
Growth
Asset Growth (YoY)17.73%23.21%14.86%13.22%9.88%-785 bps
Loan Growth (YoY)12.48%8.56%11.27%7.59%2.50%-997 bps
Deposit Growth (YoY)19.70%26.60%17.59%15.92%12.43%-727 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.15%0.00%0.20%0.17%-23 bps
Net Charge-Offs / Loans0.03%0.05%0.06%-0.05%-0.02%-5 bps
Allowance / Loans1.14%1.14%1.16%1.23%1.23%+9 bps
Allowance Coverage of NPLs2.8x7.8xn/a6.2x7.3x+4.5x
Capital
Tier 1 Leverage Ratio13.42%13.10%11.97%12.09%12.15%-127 bps
Total Risk-Based Capital13.42%13.10%11.97%12.09%12.15%-127 bps
Equity / Assets13.87%12.94%12.41%12.44%12.53%-134 bps
Liquidity & Funding
Loans / Deposits76.30%71.11%70.81%69.26%69.57%-674 bps
Liquid Assets / Assets14.33%18.11%14.93%6.89%6.75%-758 bps
CRE / Total Capitaln/a285%291%284%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

Freedom Bank

Alamo, TX · Cert 17881 · Peer group: banks under $1B in assets in TX (n=208-211) · Aob Ventures Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$301.2MAssets
$171.4MLoans
$246.4MDeposits
$37.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 69% of banks under $1B in assets in TX (rank 66 of 211).
  • Widest gap: efficiency ratio trails 78% of banks under $1B in assets in TX (rank 166 of 211).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.95%

Rank 148 of 211

Net Interest Margin

3.68%

Rank 119 of 211

Efficiency Ratio

75.33%

Rank 166 of 211

Equity / Assets

12.53%

Rank 66 of 211

Non-interest income vs. expense

$1.2M$9.3MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 22% of banks under $1B in assets in TX
Bank 75.33%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.87%1.20%1.65%Beats 30%148 / 211
Return on Equity7.58%7.52%11.67%14.58%Beats 26%157 / 211
Net Interest Margin3.68%3.28%3.82%4.31%Beats 44%119 / 211
Efficiency Ratio75.33%53.01%64.18%73.65%Beats 22%166 / 211
Asset Quality
Nonperforming Loans / Loans0.17%0.01%0.30%1.10%Beats 58%88 / 208
Net Charge-Offs / Loans0.02%0.00%0.01%0.06%Beats 47%112 / 208
Capital
Tier 1 Capital Ratio12.15%11.72%14.45%19.57%Beats 31%146 / 211
Total Risk-Based Capital Ratio12.15%11.94%14.78%20.30%Beats 30%147 / 211
Equity / Assets12.53%9.41%11.06%12.94%Beats 69%66 / 211
Liquidity & Funding
Loans / Deposits69.57%45.39%66.56%82.03%56th pctl92 / 208
Loans / Assets56.90%39.13%56.90%70.46%50th pctl106 / 211
Brokered Deposits / Depositsn/aNot reported for this institution