PackageTrendsPeer
Letter portraitLegal landscape

Sundown State Bank

Sundown, TX · Cert 18780 · Sundown Bankshares Inc.

State charter, non-member · FDIC · 5 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

98

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

Sundown State Bank

Sundown, TX · Cert 18780 · Sundown Bankshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$307.7MAssets
$191.9MLoans
$269.6MDeposits
$36.5MEquity
Loan mix
70%RE $116.8M29%C&I $48.6M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $188.5M30%Noninterest $81.1MQ2 2025Q2 2026

NIM

6.39%Q2 ’246.07%Q2 ’255.50%Q2 ’26+2%-6%

Non-interest income vs. expense

2.47%Q2 ’242.33%Q2 ’252.45%Q2 ’26-12%-182%

Market Position · Lubbock, TX · 2026 SOD (annual) · 1.0% share · #18 of 31 inst. · $0.1B of $14.3B

20.9% Hockley
16.2% Yoakum
20.5% Terry
1.0% Tom Green

Executive Summary

  • Earnings: ROA of 4.15%, up 220 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.84% of loans (+84 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 11.63%, up 42 bps from a year ago.
  • Funding: loans stand at 71.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

4.15%+220 bps YoY

Net Interest Margin (YTD, annualized)

3.99%-27 bps YoY

Efficiency Ratio (YTD, annualized)

31.06%-1,741 bps YoY

Tier 1 Leverage Ratio

11.63%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%2.03%2.17%6.48%4.15%+220 bps
Return on Equity18.01%18.75%20.02%56.35%35.73%+1,773 bps
Net Interest Margin4.26%4.32%4.12%3.98%3.99%-27 bps
Efficiency Ratio48.47%47.42%45.71%24.31%31.06%-1,741 bps
Non-Interest Burden1.78%1.78%1.51%-4.66%-1.46%-324 bps
Growth
Asset Growth (YoY)12.39%14.52%14.80%17.61%7.32%-507 bps
Loan Growth (YoY)-3.79%-5.73%-5.71%-5.46%-6.83%-304 bps
Deposit Growth (YoY)12.13%14.43%14.44%15.67%6.07%-606 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%1.47%1.61%0.84%+84 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.19%0.10%+10 bps
Allowance / Loans0.84%0.84%0.83%1.06%1.06%+23 bps
Allowance Coverage of NPLsn/an/a0.6x0.7x1.3xn/a
Capital
Tier 1 Leverage Ratio11.21%11.32%10.93%12.33%11.63%+42 bps
Total Risk-Based Capital13.92%14.71%14.48%17.24%11.63%-229 bps
Equity / Assets10.87%10.83%10.88%12.08%11.85%+98 bps
Liquidity & Funding
Loans / Deposits81.01%75.46%73.94%70.06%71.16%-985 bps
Liquid Assets / Assets4.31%4.92%4.82%5.89%7.42%+311 bps
CRE / Total Capitaln/a230%200%161.16%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

Sundown State Bank

Sundown, TX · Cert 18780 · Peer group: banks under $1B in assets in TX (n=208-211) · Sundown Bankshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$307.7MAssets
$191.9MLoans
$269.6MDeposits
$36.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets in TX (rank 3 of 211).
  • Widest gap: total risk-based capital ratio trails 77% of banks under $1B in assets in TX (rank 163 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

4.20%

Rank 3 of 211

Net Interest Margin

3.99%

Rank 90 of 211

Efficiency Ratio

31.06%

Rank 5 of 211

Equity / Assets

11.85%

Rank 86 of 211

Non-interest income vs. expense

$12.3M$7.7MINCOMEEXPENSE
Favorable gap of $4.6M · efficiency ratio beats 98% of banks under $1B in assets in TX
Bank 31.06%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets4.20%0.87%1.20%1.65%Beats 99%3 / 211
Return on Equity35.48%7.52%11.67%14.58%Beats 99%2 / 211
Net Interest Margin3.99%3.28%3.82%4.31%Beats 57%90 / 211
Efficiency Ratio31.06%53.01%64.18%73.65%Beats 98%5 / 211
Asset Quality
Nonperforming Loans / Loans0.84%0.01%0.30%1.10%Beats 31%145 / 208
Net Charge-Offs / Loans0.05%0.00%0.01%0.06%Beats 28%151 / 208
Capital
Tier 1 Capital Ratio11.63%11.72%14.45%19.57%Beats 23%162 / 211
Total Risk-Based Capital Ratio11.63%11.94%14.78%20.30%Beats 23%163 / 211
Equity / Assets11.85%9.41%11.06%12.94%Beats 59%86 / 211
Liquidity & Funding
Loans / Deposits71.16%45.39%66.56%82.03%58th pctl88 / 208
Loans / Assets62.36%39.13%56.90%70.46%59th pctl86 / 211
Brokered Deposits / Depositsn/aNot reported for this institution