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Letter portraitLegal landscapeQuarterYTD

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