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Texas State Bank

San Angelo, TX · Cert 18698 · Texas Bcorp Inc.

State charter, non-member · FDIC · 4 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

75

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

Texas State Bank

San Angelo, TX · Cert 18698 · Texas Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$425.5MAssets
$281.0MLoans
$354.2MDeposits
$54.3MEquity
Loan mix
89%RE $242.2M9%C&I $24.8M1%Consumer $4.0MQ2 2025Q2 2026
Deposit mix
56%Interest-bearing $197.2M44%Noninterest $156.9MQ2 2025Q2 2026

NIM

4.43%Q2 ’244.87%Q2 ’254.96%Q2 ’26+14%+9%

Non-interest income vs. expense

2.53%Q2 ’242.86%Q2 ’252.95%Q2 ’26+16%+10%

Market Position · San Angelo, TX · 2026 SOD (annual) · 10.3% share · #4 of 15 inst. · $0.4B of $3.4B

Executive Summary

  • Earnings: ROA of 1.99%, up 21 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.58%, down 17 bps from a year ago.
  • Funding: loans stand at 79.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.99%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+37 bps YoY

Efficiency Ratio (YTD, annualized)

52.80%-137 bps YoY

Tier 1 Leverage Ratio

13.58%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.84%1.89%1.86%1.99%+21 bps
Return on Equity15.29%15.27%15.69%15.06%15.97%+68 bps
Net Interest Margin3.91%3.93%3.98%4.20%4.28%+37 bps
Efficiency Ratio54.18%53.33%53.01%54.72%52.80%-137 bps
Non-Interest Burden1.51%1.50%1.52%1.73%1.67%+15 bps
Growth
Asset Growth (YoY)3.52%4.47%1.63%1.64%2.24%-128 bps
Loan Growth (YoY)6.12%8.25%6.85%8.36%9.78%+366 bps
Deposit Growth (YoY)1.44%6.34%6.31%6.53%4.89%+344 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.02%0.00%0 bps
Allowance / Loans0.94%0.94%0.94%0.94%0.94%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.75%14.10%12.94%13.45%13.58%-17 bps
Total Risk-Based Capital21.79%22.27%20.30%13.45%13.58%-821 bps
Equity / Assets12.47%13.04%12.08%12.60%12.77%+29 bps
Liquidity & Funding
Loans / Deposits75.81%76.35%75.07%75.46%79.35%+354 bps
Liquid Assets / Assets4.76%6.10%5.26%3.83%3.19%-157 bps
CRE / Total Capitaln/a159.59%168.20%173.26%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

Texas State Bank

San Angelo, TX · Cert 18698 · Peer group: banks under $1B in assets in TX (n=208-211) · Texas Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$425.5MAssets
$281.0MLoans
$354.2MDeposits
$54.3MEquity

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 58% of banks under $1B in assets in TX (rank 123 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.00%

Rank 19 of 211

Net Interest Margin

4.28%

Rank 59 of 211

Efficiency Ratio

53.01%

Rank 53 of 211

Equity / Assets

12.77%

Rank 59 of 211

Non-interest income vs. expense

$5.4M$12.5MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 75% of banks under $1B in assets in TX
Bank 53.01%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.00%0.87%1.20%1.65%Beats 91%19 / 211
Return on Equity15.64%7.52%11.67%14.58%Beats 82%38 / 211
Net Interest Margin4.28%3.28%3.82%4.31%Beats 72%59 / 211
Efficiency Ratio53.01%53.01%64.18%73.65%Beats 75%53 / 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 64%77 / 208
Capital
Tier 1 Capital Ratio13.58%11.72%14.45%19.57%Beats 45%117 / 211
Total Risk-Based Capital Ratio13.58%11.94%14.78%20.30%Beats 42%123 / 211
Equity / Assets12.77%9.41%11.06%12.94%Beats 72%59 / 211
Liquidity & Funding
Loans / Deposits79.35%45.39%66.56%82.03%71st pctl61 / 208
Loans / Assets66.04%39.13%56.90%70.46%67th pctl69 / 211
Brokered Deposits / Depositsn/aNot reported for this institution