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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