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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