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Producer Bank of Texas

Powell, TX · Cert 18302 · Producer Bcorp Inc.

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

80

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

2

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 2026-10-10

Producer Bank of Texas

Powell, TX · Cert 18302 · Producer Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$58.7MAssets
$26.0MLoans
$43.3MDeposits
$13.8MEquity
Loan mix
55%RE $12.3M35%C&I $7.8M11%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $31.2M28%Noninterest $12.1MQ2 2025Q2 2026

NIM

5.51%Q2 ’245.14%Q2 ’254.75%Q2 ’26-1%-8%

Non-interest income vs. expense

4.07%Q2 ’244.92%Q2 ’255.06%Q2 ’26+30%-1%

Market Position · Beaumont-Port Arthur, TX · 2026 SOD (annual) · 0.2% share · #16 of 20 inst. · $0.0B of $7.7B

2.6% Navarro
0.2% Jefferson

Executive Summary

  • Earnings: ROA of -0.82%, down 12 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.58% of loans (-467 bps YoY), with net recoveries of 0.62%.
  • Capital: tier 1 leverage ratio of 18.61%, down 709 bps from a year ago.
  • Funding: loans stand at 60.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.82%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-33 bps YoY

Efficiency Ratio (YTD, annualized)

116.85%+494 bps YoY

Tier 1 Leverage Ratio

18.61%-709 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.70%-1.39%-0.84%-1.32%-0.82%-12 bps
Return on Equity-2.39%-4.80%-2.94%-5.27%-3.34%-95 bps
Net Interest Margin4.10%4.20%3.80%3.83%3.78%-33 bps
Efficiency Ratio111.91%121.91%121.38%118.54%116.85%+494 bps
Non-Interest Burden4.48%5.02%4.56%4.59%4.44%-4 bps
Growth
Asset Growth (YoY)48.75%54.81%9.56%13.76%21.59%-2,716 bps
Loan Growth (YoY)-8.19%10.73%20.26%48.89%53.55%+6,173 bps
Deposit Growth (YoY)14.01%20.29%14.08%22.76%35.20%+2,119 bps
Asset Quality
Nonperforming Loans / Loans5.25%4.29%0.83%0.67%0.58%-467 bps
Net Charge-Offs / Loans1.34%0.78%3.45%-1.01%-0.62%-197 bps
Allowance / Loans8.24%7.32%4.18%3.78%3.07%-518 bps
Allowance Coverage of NPLs1.6x1.7x5.0x5.6x5.3x+3.7x
Capital
Tier 1 Leverage Ratio25.70%24.68%21.42%20.22%18.61%-709 bps
Total Risk-Based Capital25.70%24.68%21.42%20.22%18.61%-709 bps
Equity / Assets29.61%28.34%26.27%23.99%23.50%-611 bps
Liquidity & Funding
Loans / Deposits53.00%59.56%53.39%56.43%60.19%+719 bps
Liquid Assets / Assets33.77%27.89%41.91%27.52%25.17%-860 bps
CRE / Total Capitaln/a41.36%54.28%70.50%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 2026-10-10

Producer Bank of Texas

Powell, TX · Cert 18302 · Peer group: banks under $1B in assets in TX (n=208-211) · Producer Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$58.7MAssets
$26.0MLoans
$43.3MDeposits
$13.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 97% of banks under $1B in assets in TX (rank 6 of 211).
  • Widest gap: efficiency ratio trails 98% of banks under $1B in assets in TX (rank 208 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.79%

Rank 207 of 211

Net Interest Margin

3.77%

Rank 113 of 211

Efficiency Ratio

121.72%

Rank 208 of 211

Equity / Assets

23.50%

Rank 6 of 211

Non-interest income vs. expense

$0.4M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 2% of banks under $1B in assets in TX
Bank 121.72%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.79%0.87%1.20%1.65%Beats 2%207 / 211
Return on Equity-3.36%7.52%11.67%14.58%Beats 4%203 / 211
Net Interest Margin3.77%3.28%3.82%4.31%Beats 46%113 / 211
Efficiency Ratio121.72%53.01%64.18%73.65%Beats 2%208 / 211
Asset Quality
Nonperforming Loans / Loans0.58%0.01%0.30%1.10%Beats 37%133 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 67%70 / 208
Capital
Tier 1 Capital Ratio18.61%11.72%14.45%19.57%Beats 73%56 / 211
Total Risk-Based Capital Ratio18.61%11.94%14.78%20.30%Beats 71%62 / 211
Equity / Assets23.50%9.41%11.06%12.94%Beats 97%6 / 211
Liquidity & Funding
Loans / Deposits60.19%45.39%66.56%82.03%37th pctl131 / 208
Loans / Assets44.32%39.13%56.90%70.46%28th pctl151 / 211
Brokered Deposits / Depositsn/aNot reported for this institution