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First National Bank of Fort Stockton

Fort Stockton, TX · Cert 17913 · FNB Holding Co.

National charter · OCC · 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

18

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 National Bank of Fort Stockton

Fort Stockton, TX · Cert 17913 · FNB Holding Co.

National charter · OCC · 2 branches

Q2 2026

$153.5MAssets
$74.4MLoans
$137.7MDeposits
$15.0MEquity
Loan mix
75%RE $58.8M24%C&I $18.6M2%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
60%Interest-bearing $82.2M40%Noninterest $55.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.82%, up 7 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.20%, down 60 bps from a year ago.
  • Funding: loans stand at 54.01% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.82%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.53%+43 bps YoY

Efficiency Ratio (YTD, annualized)

77.71%+174 bps YoY

Tier 1 Leverage Ratio

12.20%-60 bps YoY

NIM

5.30%Q2 ’244.99%Q2 ’255.63%Q2 ’26-7%+10%

Non-interest income vs. expense

3.85%Q2 ’244.02%Q2 ’253.94%Q2 ’26-14%+18%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.07%0.99%0.75%0.74%0.78%0.73%0.82%+7 bps
Return on Equity11.73%11.97%10.74%8.33%8.92%9.14%7.71%8.61%+28 bps
Net Interest Margin4.77%4.69%4.38%4.11%4.19%4.17%4.27%4.53%+43 bps
Efficiency Ratio73.56%73.31%68.31%75.97%76.27%76.69%78.83%77.71%+174 bps
Non-Interest Burden3.39%3.33%2.44%2.87%2.99%3.02%3.25%3.40%+53 bps
Growth
Asset Growth (YoY)-0.02%-2.55%-5.54%7.96%49.49%13.44%20.49%4.04%-393 bps
Loan Growth (YoY)1.44%-7.59%-7.03%-7.38%-3.84%-2.67%-3.15%-6.02%+136 bps
Deposit Growth (YoY)-3.98%0.91%0.03%16.74%61.81%17.79%22.75%2.64%-1,410 bps
Asset Quality
Nonperforming Loans / Loans2.77%1.10%1.14%0.00%0.00%0.03%0.08%0.02%+2 bps
Net Charge-Offs / Loans0.00%0.00%1.41%1.50%0.98%0.79%0.00%0.01%-150 bps
Allowance / Loans2.59%2.70%2.61%2.33%2.25%2.28%2.33%2.54%+20 bps
Allowance Coverage of NPLs0.9x2.5x2.3xn/an/a75.6x30.5x104.9xn/a
Capital
Tier 1 Leverage Ratio13.52%13.37%13.71%12.79%12.40%12.09%11.80%12.20%-60 bps
Total Risk-Based Capital13.52%13.37%13.71%12.79%12.40%12.09%11.80%12.20%-60 bps
Equity / Assets9.88%8.84%9.52%8.61%7.03%9.58%9.24%9.78%+117 bps
Liquidity & Funding
Loans / Deposits72.04%68.11%68.24%58.99%42.81%56.28%53.84%54.01%-497 bps
Liquid Assets / Assets2.41%3.03%0.47%4.03%28.06%3.66%8.31%3.68%-35 bps
CRE / Total Capitaln/an/an/an/a250%256%251%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 National Bank of Fort Stockton

Fort Stockton, TX · Cert 17913 · Peer group: banks under $1B in assets in TX (n=208-211) · FNB Holding Co.

National charter · OCC · 2 branches

Q2 2026

$153.5MAssets
$74.4MLoans
$137.7MDeposits
$15.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks under $1B in assets in TX (rank 40 of 211).
  • Widest gap: efficiency ratio trails 82% of banks under $1B in assets in TX (rank 174 of 211).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.85%

Rank 161 of 211

Net Interest Margin

4.53%

Rank 40 of 211

Efficiency Ratio

77.71%

Rank 174 of 211

Equity / Assets

9.78%

Rank 149 of 211

Non-interest income vs. expense

$0.8M$6.3MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 18% of banks under $1B in assets in TX
Bank 77.71%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.85%0.87%1.20%1.65%Beats 24%161 / 211
Return on Equity8.64%7.52%11.67%14.58%Beats 35%138 / 211
Net Interest Margin4.53%3.28%3.82%4.31%Beats 81%40 / 211
Efficiency Ratio77.71%53.01%64.18%73.65%Beats 18%174 / 211
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.30%1.10%Beats 73%58 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 71%63 / 208
Capital
Tier 1 Capital Ratio12.20%11.72%14.45%19.57%Beats 32%144 / 211
Total Risk-Based Capital Ratio12.20%11.94%14.78%20.30%Beats 31%145 / 211
Equity / Assets9.78%9.41%11.06%12.94%Beats 29%149 / 211
Liquidity & Funding
Loans / Deposits54.01%45.39%66.56%82.03%30th pctl145 / 208
Loans / Assets48.48%39.13%56.90%70.46%32nd pctl143 / 211
Brokered Deposits / Depositsn/aNot reported for this institution