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Pearland State Bank

Pearland, TX · Cert 18132

FDIC · 1 branch

Q4 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area3

Basis

Quarter: Q4 2024, the quarter ended December 31, 2024, 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 the Houston-Pasadena-The Woodlands, TX area (n=26 to 27). 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

21

Q2 2024Q4 2024peer median (50)

Asset Quality

69

Q2 2024Q4 2024peer median (50)

Profitability

34

Q2 2024Q4 2024peer median (50)

Liquidity

1

Q2 2024Q4 2024peer median

Efficiency

56

Q2 2024Q4 2024peer 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

Pearland State Bank

Pearland, TX · Cert 18132

FDIC · 1 branch

Q4 2024

$188.9MAssets
$45.9MLoans
$177.9MDeposits
$10.4MEquity
Loan mix
87%RE $33.2M11%C&I $4.4M2%Consumer $0.8MQ4 2023Q4 2024
Deposit mix
68%Interest-bearing $120.5M32%Noninterest $57.4MQ4 2023Q4 2024

NIM

2.24%Q4 ’223.02%Q4 ’233.55%Q4 ’24+6%-3%

Non-interest income vs. expense

1.25%Q4 ’221.32%Q4 ’231.78%Q4 ’24+6%+37%

Market Position · Houston-Pasadena-The Woodlands, TX · 2024 SOD (annual) · 0.1% share · #67 of 108 inst. · $0.2B of $314.4B

Executive Summary

  • Earnings: ROA of 0.54%, down 36 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 0.35% of loans (+35 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.38%, up 75 bps from a year ago.
  • Funding: loans stand at 25.83% of deposits as of Q4 2024.

Financial Results

Return on Assets (YTD, annualized)

0.54%-36 bps YoY

Net Interest Margin (YTD, annualized)

2.07%-7 bps YoY

Efficiency Ratio (YTD, annualized)

73.46%+1,880 bps YoY

Tier 1 Leverage Ratio

12.38%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.90%0.70%0.74%0.69%0.54%-36 bps
Return on Equity24.75%14.44%14.92%12.41%9.71%-1,504 bps
Net Interest Margin2.14%1.93%1.96%2.01%2.07%-7 bps
Efficiency Ratio54.66%61.89%60.91%63.97%73.46%+1,880 bps
Non-Interest Burden1.05%1.09%1.08%1.17%1.43%+38 bps
Growth
Asset Growth (YoY)-0.69%-2.88%-3.26%0.89%-3.97%-328 bps
Loan Growth (YoY)6.56%9.37%18.77%3.26%3.48%-309 bps
Deposit Growth (YoY)-2.89%-3.58%-4.90%-5.15%-4.31%-142 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.33%0.34%0.35%+35 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0 bps
Allowance / Loans1.25%1.25%1.15%1.18%1.09%-15 bps
Allowance Coverage of NPLsn/an/a3.5x3.5x3.2xn/a
Capital
Tier 1 Leverage Ratio11.63%11.29%11.44%12.00%12.38%+75 bps
Total Risk-Based Capital11.63%11.29%11.44%12.00%12.38%+75 bps
Equity / Assets5.19%4.56%5.17%7.36%5.49%+31 bps
Liquidity & Funding
Loans / Deposits23.89%23.11%26.67%26.69%25.83%+195 bps
Liquid Assets / Assets8.32%15.12%9.54%9.37%15.98%+766 bps
CRE / Total Capitaln/an/an/an/an/an/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

Pearland State Bank

Pearland, TX · Cert 18132 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=26-27)

FDIC · 1 branch

Q4 2024

$188.9MAssets
$45.9MLoans
$177.9MDeposits
$10.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 7 of 27).
  • Widest gap: net interest margin trails 85% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 23 of 27).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.55%

Rank 18 of 27

Net Interest Margin

2.07%

Rank 23 of 27

Efficiency Ratio

73.46%

Rank 13 of 27

Equity / Assets

5.49%

Rank 22 of 27

Non-interest income vs. expense

$0.7M$3.5MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 56% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 73.46%Peer median 74.7%Q2 2024Q4 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.55%0.37%1.03%1.49%Beats 33%18 / 27
Return on Equity10.05%4.82%9.12%14.71%Beats 54%12 / 26
Net Interest Margin2.07%2.36%3.18%4.47%Beats 15%23 / 27
Efficiency Ratio73.46%55.69%74.74%90.88%Beats 56%13 / 27
Asset Quality
Nonperforming Loans / Loans0.35%n/a0.11%0.53%Beats 37%18 / 27
Net Charge-Offs / Loans0.00%0.00%0.02%0.24%Beats 100%7 / 27
Capital
Tier 1 Capital Ratio12.38%12.38%15.59%19.52%Beats 22%21 / 27
Total Risk-Based Capital Ratio12.38%12.38%15.59%20.20%Beats 22%21 / 27
Equity / Assets5.49%6.82%10.13%13.56%Beats 19%22 / 27
Liquidity & Funding
Loans / Deposits25.83%39.37%76.58%94.47%11th pctl24 / 27
Loans / Assets24.32%37.84%67.75%78.47%7th pctl25 / 27
Brokered Deposits / Depositsn/aNot reported for this institution