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Zapata National Bank

Zapata, TX · Cert 18454

National charter · 1 branch

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

3

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

42

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

Zapata National Bank

Zapata, TX · Cert 18454

National charter · 1 branch

Q2 2026

$92.6MAssets
$36.2MLoans
$84.7MDeposits
$7.2MEquity
Loan mix
71%RE $25.3M14%C&I $5.0M15%Consumer $5.5MQ3 2024Q2 2026
Deposit mix
61%Interest-bearing $51.7M39%Noninterest $33.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.23%, down 120 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.65%, down 636 bps from a year ago.
  • Funding: loans stand at 42.76% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.23%-120 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+6 bps YoY

Efficiency Ratio (YTD, annualized)

66.26%+896 bps YoY

Tier 1 Leverage Ratio

8.65%-636 bps YoY

NIM

5.09%Q2 ’245.02%Q2 ’254.94%Q2 ’26-3%+2%

Non-interest income vs. expense

2.42%Q2 ’242.44%Q2 ’252.73%Q2 ’26-7%+29%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.34%1.46%1.43%1.43%1.56%1.33%0.23%-120 bps
Return on Equity10.18%10.05%10.66%10.19%9.99%10.82%8.77%1.81%-838 bps
Net Interest Margin3.59%3.44%3.39%3.51%3.60%3.60%3.57%3.57%+6 bps
Efficiency Ratio58.04%59.01%55.39%57.30%57.49%56.75%59.22%66.26%+896 bps
Non-Interest Burden1.82%1.78%1.55%1.69%1.76%1.63%1.87%2.18%+49 bps
Growth
Asset Growth (YoY)-1.43%-3.51%-0.64%-1.02%-3.54%0.24%-4.97%10.00%+1,102 bps
Loan Growth (YoY)4.76%-0.52%-1.60%-2.87%-2.22%-2.24%-2.91%-4.04%-118 bps
Deposit Growth (YoY)-3.63%-4.58%-1.66%-2.31%-4.73%-1.13%-6.95%18.93%+2,124 bps
Asset Quality
Nonperforming Loans / Loans3.74%0.01%0.42%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.04%0.01%0.00%0.01%0.01%0.01%0 bps
Allowance / Loans1.11%1.13%1.14%1.14%1.14%1.15%1.18%1.18%+4 bps
Allowance Coverage of NPLs0.3x108.0x2.7xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.95%14.05%14.55%15.01%15.42%15.04%15.78%8.65%-636 bps
Total Risk-Based Capital14.95%14.05%14.55%15.01%15.42%15.04%15.78%8.65%-636 bps
Equity / Assets14.13%13.57%13.79%14.64%15.20%14.75%15.48%7.76%-688 bps
Liquidity & Funding
Loans / Deposits52.69%51.75%50.20%53.00%54.08%51.17%52.38%42.76%-1,024 bps
Liquid Assets / Assets18.67%16.69%19.40%17.35%16.99%20.15%21.56%14.95%-240 bps
CRE / Total Capitaln/an/an/an/a46.31%47.47%44.52%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

Zapata National Bank

Zapata, TX · Cert 18454 · Peer group: banks under $1B in assets in TX (n=208-211)

National charter · 1 branch

Q2 2026

$92.6MAssets
$36.2MLoans
$84.7MDeposits
$7.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in TX (rank 211 of 211).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.21%

Rank 197 of 211

Net Interest Margin

3.57%

Rank 127 of 211

Efficiency Ratio

66.26%

Rank 123 of 211

Equity / Assets

7.76%

Rank 193 of 211

Non-interest income vs. expense

$0.5M$2.3MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 42% of banks under $1B in assets in TX
Bank 66.26%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.21%0.87%1.20%1.65%Beats 7%197 / 211
Return on Equity2.75%7.52%11.67%14.58%Beats 9%193 / 211
Net Interest Margin3.57%3.28%3.82%4.31%Beats 40%127 / 211
Efficiency Ratio66.26%53.01%64.18%73.65%Beats 42%123 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 70%65 / 208
Capital
Tier 1 Capital Ratio8.65%11.72%14.45%19.57%Beats 0%211 / 211
Total Risk-Based Capital Ratio8.65%11.94%14.78%20.30%Beats 0%211 / 211
Equity / Assets7.76%9.41%11.06%12.94%Beats 9%193 / 211
Liquidity & Funding
Loans / Deposits42.76%45.39%66.56%82.03%21st pctl164 / 208
Loans / Assets39.13%39.13%56.90%70.46%25th pctl159 / 211
Brokered Deposits / Depositsn/aNot reported for this institution