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Bridge City State Bank

Bridge City, TX · Cert 18155 · Odom Amtex Holdings Trust the

State charter, non-member · FDIC · 3 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

96

Q2 2024Q2 2026peer median

Efficiency

43

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

Bridge City State Bank

Bridge City, TX · Cert 18155 · Odom Amtex Holdings Trust the

State charter, non-member · FDIC · 2 affiliate banks · 3 branches (7 in holding)

Q2 2026

$246.8MAssets
$134.7MLoans
$199.7MDeposits
$21.6MEquity
Loan mix
86%RE $107.4M13%C&I $16.1M1%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $142.4M29%Noninterest $57.3MQ2 2025Q2 2026

NIM

3.96%Q2 ’244.40%Q2 ’254.60%Q2 ’26+0%+5%

Non-interest income vs. expense

2.29%Q2 ’242.28%Q2 ’252.37%Q2 ’260%+5%

Market Position · Beaumont-Port Arthur, TX · 2026 SOD (annual) · 2.6% share · #8 of 20 inst. · $0.2B of $7.7B

16.3% Orange
0.8% Hardin

Executive Summary

  • Earnings: ROA of 1.09%, up 1 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.08% of loans (-13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.71%, up 3 bps from a year ago.
  • Funding: loans stand at 67.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+17 bps YoY

Efficiency Ratio (YTD, annualized)

65.74%-49 bps YoY

Tier 1 Leverage Ratio

11.71%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.12%1.16%1.06%1.09%+1 bps
Return on Equity15.41%15.72%15.95%13.64%13.44%-198 bps
Net Interest Margin3.12%3.03%3.03%3.14%3.28%+17 bps
Efficiency Ratio66.23%64.78%64.10%65.19%65.74%-49 bps
Non-Interest Burden1.95%1.85%1.83%1.94%2.05%+10 bps
Growth
Asset Growth (YoY)13.17%24.15%13.49%16.76%2.72%-1,045 bps
Loan Growth (YoY)40.73%24.01%9.41%2.60%7.79%-3,294 bps
Deposit Growth (YoY)-2.51%12.96%14.95%17.60%4.34%+685 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.20%0.11%0.11%0.08%-13 bps
Net Charge-Offs / Loans0.07%0.05%0.08%0.00%0.00%-7 bps
Allowance / Loans0.95%0.95%1.02%1.04%0.97%+2 bps
Allowance Coverage of NPLs4.4x4.8x8.9x9.1x11.9x+7.4x
Capital
Tier 1 Leverage Ratio11.68%11.21%11.06%11.23%11.71%+3 bps
Total Risk-Based Capital20.88%20.43%20.45%21.24%21.03%+15 bps
Equity / Assets7.09%7.38%7.99%7.63%8.74%+165 bps
Liquidity & Funding
Loans / Deposits65.29%58.00%59.61%57.37%67.44%+216 bps
Liquid Assets / Assets5.19%13.30%12.16%15.04%4.98%-21 bps
CRE / Total Capitaln/a251%250%244%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

Bridge City State Bank

Bridge City, TX · Cert 18155 · Peer group: banks under $1B in assets in TX (n=208-211) · Odom Amtex Holdings Trust the

State charter, non-member · FDIC · 2 affiliate banks · 3 branches (7 in holding)

Q2 2026

$246.8MAssets
$134.7MLoans
$199.7MDeposits
$21.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: equity / assets trails 86% of banks under $1B in assets in TX (rank 182 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.14%

Rank 115 of 211

Net Interest Margin

3.28%

Rank 159 of 211

Efficiency Ratio

65.74%

Rank 122 of 211

Equity / Assets

8.74%

Rank 182 of 211

Non-interest income vs. expense

$0.9M$6.3MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 43% of banks under $1B in assets in TX
Bank 65.74%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.87%1.20%1.65%Beats 45%115 / 211
Return on Equity12.99%7.52%11.67%14.58%Beats 64%76 / 211
Net Interest Margin3.28%3.28%3.82%4.31%Beats 25%159 / 211
Efficiency Ratio65.74%53.01%64.18%73.65%Beats 43%122 / 211
Asset Quality
Nonperforming Loans / Loans0.08%0.01%0.30%1.10%Beats 63%77 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio20.16%11.72%14.45%19.57%Beats 77%48 / 211
Total Risk-Based Capital Ratio21.03%11.94%14.78%20.30%Beats 76%50 / 211
Equity / Assets8.74%9.41%11.06%12.94%Beats 14%182 / 211
Liquidity & Funding
Loans / Deposits67.44%45.39%66.56%82.03%52nd pctl99 / 208
Loans / Assets54.59%39.13%56.90%70.46%42nd pctl123 / 211
Brokered Deposits / Depositsn/aNot reported for this institution