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Castroville State Bank

Castroville, TX · Cert 17979

State charter, non-member · FDIC · 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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

80

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

Castroville State Bank

Castroville, TX · Cert 17979

State charter, non-member · FDIC · 2 branches

Q2 2026

$269.7MAssets
$186.4MLoans
$241.3MDeposits
$27.9MEquity
Loan mix
89%RE $156.0M8%C&I $14.6M3%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $193.9M20%Noninterest $47.4MQ2 2025Q2 2026

NIM

4.81%Q2 ’245.04%Q2 ’255.16%Q2 ’26+20%+10%

Non-interest income vs. expense

1.88%Q2 ’242.03%Q2 ’251.95%Q2 ’26+10%-4%

Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.1% share · #25 of 66 inst. · $0.2B of $175.0B

Executive Summary

  • Earnings: ROA of 1.41%, up 27 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (-21 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.93%, up 40 bps from a year ago.
  • Funding: loans stand at 77.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+31 bps YoY

Efficiency Ratio (YTD, annualized)

51.14%-674 bps YoY

Tier 1 Leverage Ratio

10.93%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.13%1.10%1.26%1.41%+27 bps
Return on Equity12.76%12.47%12.22%14.08%15.00%+224 bps
Net Interest Margin3.25%3.24%3.24%3.39%3.56%+31 bps
Efficiency Ratio57.88%57.78%58.26%52.58%51.14%-674 bps
Non-Interest Burden1.77%1.76%1.78%1.68%1.70%-7 bps
Growth
Asset Growth (YoY)-4.02%2.93%15.38%5.45%4.80%+882 bps
Loan Growth (YoY)3.61%4.43%5.32%2.75%2.86%-75 bps
Deposit Growth (YoY)-7.30%-0.39%15.21%4.73%6.69%+1,399 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.26%0.19%0.07%0.00%-21 bps
Net Charge-Offs / Loans0.04%0.04%0.05%0.18%0.08%+4 bps
Allowance / Loans1.14%1.14%1.13%1.12%1.10%-4 bps
Allowance Coverage of NPLs5.5x4.4x6.0x15.3xn/an/a
Capital
Tier 1 Leverage Ratio10.53%10.77%10.70%10.22%10.93%+40 bps
Total Risk-Based Capital10.53%10.77%10.70%10.22%10.93%+40 bps
Equity / Assets9.57%9.64%8.61%9.28%10.34%+78 bps
Liquidity & Funding
Loans / Deposits80.12%76.22%65.12%68.92%77.25%-287 bps
Liquid Assets / Assets0.40%6.58%16.40%13.44%4.69%+429 bps
CRE / Total Capitaln/a161.73%177.39%173.72%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

Castroville State Bank

Castroville, TX · Cert 17979 · Peer group: banks under $1B in assets in TX (n=208-211)

State charter, non-member · FDIC · 2 branches

Q2 2026

$269.7MAssets
$186.4MLoans
$241.3MDeposits
$27.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets in TX (rank 175 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.51%

Rank 63 of 211

Net Interest Margin

3.56%

Rank 129 of 211

Efficiency Ratio

51.14%

Rank 44 of 211

Equity / Assets

10.34%

Rank 132 of 211

Non-interest income vs. expense

$0.7M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 80% of banks under $1B in assets in TX
Bank 51.14%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.51%0.87%1.20%1.65%Beats 70%63 / 211
Return on Equity14.58%7.52%11.67%14.58%Beats 75%53 / 211
Net Interest Margin3.56%3.28%3.82%4.31%Beats 39%129 / 211
Efficiency Ratio51.14%53.01%64.18%73.65%Beats 80%44 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.05%0.00%0.01%0.06%Beats 26%154 / 208
Capital
Tier 1 Capital Ratio10.93%11.72%14.45%19.57%Beats 18%174 / 211
Total Risk-Based Capital Ratio10.93%11.94%14.78%20.30%Beats 17%175 / 211
Equity / Assets10.34%9.41%11.06%12.94%Beats 37%132 / 211
Liquidity & Funding
Loans / Deposits77.25%45.39%66.56%82.03%67th pctl68 / 208
Loans / Assets69.11%39.13%56.90%70.46%73rd pctl57 / 211
Brokered Deposits / Depositsn/aNot reported for this institution