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Tejas Bank

Monahans, TX · Cert 18216

FDIC · 1 branch

Q4 2025

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: Q4 2025, the quarter ended December 31, 2025, 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=210 to 213). 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

50

Q2 2024Q4 2025peer median (50)

Asset Quality

76

Q2 2024Q4 2025peer median (50)

Profitability

35

Q2 2024Q4 2025peer median (50)

Liquidity

88

Q2 2024Q4 2025peer median

Efficiency

33

Q2 2024Q4 2025peer 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

Tejas Bank

Monahans, TX · Cert 18216

FDIC · 1 branch

Q4 2025

$238.6MAssets
$129.7MLoans
$210.3MDeposits
$24.3MEquity
Loan mix
59%RE $69.6M38%C&I $44.8M3%Consumer $3.7MQ4 2024Q4 2025
Deposit mix
53%Interest-bearing $111.7M47%Noninterest $98.6MQ4 2024Q4 2025

NIM

4.51%Q4 ’235.12%Q4 ’244.92%Q4 ’25+9%-8%

Non-interest income vs. expense

1.79%Q4 ’231.82%Q4 ’243.43%Q4 ’25+2%+102%

Executive Summary

  • Earnings: ROA of 0.49%, down 191 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.03% of loans (-6 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.72%, down 89 bps from a year ago.
  • Funding: loans stand at 61.69% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.49%-191 bps YoY

Net Interest Margin (YTD, annualized)

4.49%-41 bps YoY

Efficiency Ratio (YTD, annualized)

69.79%+3,478 bps YoY

Tier 1 Leverage Ratio

9.72%-89 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets2.40%2.34%2.41%2.43%0.49%-191 bps
Return on Equity25.74%24.69%24.91%24.26%4.84%-2,091 bps
Net Interest Margin4.90%4.69%4.59%4.65%4.49%-41 bps
Efficiency Ratio35.01%38.01%37.32%37.26%69.79%+3,478 bps
Non-Interest Burden1.47%1.45%1.40%1.41%2.97%+150 bps
Growth
Asset Growth (YoY)7.91%-1.39%-1.01%0.37%-0.28%-819 bps
Loan Growth (YoY)-0.33%3.66%3.70%2.73%5.86%+619 bps
Deposit Growth (YoY)7.81%-2.32%-1.91%-0.46%-2.81%-1,062 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.07%0.06%0.04%0.03%-6 bps
Net Charge-Offs / Loans0.47%0.08%0.03%0.02%0.01%-46 bps
Allowance / Loans1.52%1.51%1.58%1.60%1.57%+5 bps
Allowance Coverage of NPLs17.2x20.8x27.6x45.0x56.4x+39.2x
Capital
Tier 1 Leverage Ratio10.61%11.39%11.35%11.96%9.72%-89 bps
Total Risk-Based Capital17.01%17.99%18.60%19.05%16.70%-30 bps
Equity / Assets8.83%10.18%10.12%10.97%10.19%+136 bps
Liquidity & Funding
Loans / Deposits56.64%63.07%60.72%60.66%61.69%+505 bps
Liquid Assets / Assets5.72%4.83%3.57%3.52%3.52%-220 bps
CRE / Total Capitaln/an/an/a215%244%n/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

Tejas Bank

Monahans, TX · Cert 18216 · Peer group: banks under $1B in assets in TX (n=210-213)

FDIC · 1 branch

Q4 2025

$238.6MAssets
$129.7MLoans
$210.3MDeposits
$24.3MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in TX (rank 168 of 210).
  • Widest gap: return on assets trails 90% of banks under $1B in assets in TX (rank 192 of 213).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.48%

Rank 192 of 213

Net Interest Margin

4.49%

Rank 38 of 213

Efficiency Ratio

69.79%

Rank 143 of 213

Equity / Assets

10.19%

Rank 130 of 213

Non-interest income vs. expense

$1.1M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 33% of banks under $1B in assets in TX
Bank 69.79%Peer median 62.9%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.48%0.77%1.13%1.52%Beats 10%192 / 213
Return on Equity4.67%7.07%10.74%13.88%Beats 13%185 / 213
Net Interest Margin4.49%3.14%3.75%4.24%Beats 82%38 / 213
Efficiency Ratio69.79%54.59%62.86%72.52%Beats 33%143 / 213
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.31%1.10%Beats 76%52 / 210
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.45%11.73%14.44%19.36%Beats 54%97 / 213
Total Risk-Based Capital Ratio16.70%11.74%15.06%20.10%Beats 57%92 / 213
Equity / Assets10.19%9.38%10.88%12.70%Beats 39%130 / 213
Liquidity & Funding
Loans / Deposits61.69%47.23%66.36%81.55%43rd pctl120 / 210
Loans / Assets54.37%41.45%57.89%69.26%42nd pctl122 / 210
Brokered Deposits / Deposits0.00%n/an/an/aBeats 100%168 / 210