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Kress National Bank

Kress, TX · Cert 18892 · Kress National Bancshares Inc.

National charter · OCC · 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

61

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

Kress National Bank

Kress, TX · Cert 18892 · Kress National Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$63.7MAssets
$15.2MLoans
$57.5MDeposits
$6.0MEquity
Loan mix
50%RE $3.6M38%C&I $2.7M13%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $41.0M29%Noninterest $16.5MQ2 2025Q2 2026

NIM

5.30%Q2 ’245.16%Q2 ’254.55%Q2 ’26-7%-14%

Non-interest income vs. expense

2.17%Q2 ’242.11%Q2 ’251.87%Q2 ’26-3%-11%

Executive Summary

  • Earnings: ROA of 1.02%, down 22 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.24%.
  • Capital: tier 1 leverage ratio of 9.64%, down 118 bps from a year ago.
  • Funding: loans stand at 26.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%-22 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-47 bps YoY

Efficiency Ratio (YTD, annualized)

59.96%+172 bps YoY

Tier 1 Leverage Ratio

9.64%-118 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.17%1.08%0.82%1.02%-22 bps
Return on Equity11.52%11.11%10.34%8.43%10.62%-90 bps
Net Interest Margin3.45%3.39%3.27%2.85%2.98%-47 bps
Efficiency Ratio58.24%58.82%60.98%64.58%59.96%+172 bps
Non-Interest Burden1.94%1.93%1.93%1.78%1.73%-21 bps
Growth
Asset Growth (YoY)9.31%25.15%22.97%17.74%17.47%+817 bps
Loan Growth (YoY)5.15%2.84%-16.42%-10.50%-16.33%-2,147 bps
Deposit Growth (YoY)9.28%27.72%24.82%19.30%19.57%+1,029 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%-0.24%-23 bps
Allowance / Loans1.97%1.87%2.37%2.44%2.54%+57 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.82%10.94%10.82%10.07%9.64%-118 bps
Total Risk-Based Capital26.59%25.58%30.42%31.84%30.96%+437 bps
Equity / Assets10.73%9.93%10.33%9.15%9.34%-139 bps
Liquidity & Funding
Loans / Deposits37.83%35.40%29.02%25.49%26.47%-1,136 bps
Liquid Assets / Assets34.82%27.61%36.58%43.87%34.11%-71 bps
CRE / Total Capitaln/a20.08%20.07%20.07%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

Kress National Bank

Kress, TX · Cert 18892 · Peer group: banks under $1B in assets in TX (n=208-211) · Kress National Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$63.7MAssets
$15.2MLoans
$57.5MDeposits
$6.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: net interest margin trails 83% of banks under $1B in assets in TX (rank 175 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.01%

Rank 133 of 211

Net Interest Margin

2.98%

Rank 175 of 211

Efficiency Ratio

59.96%

Rank 84 of 211

Equity / Assets

9.34%

Rank 160 of 211

Non-interest income vs. expense

$0.1M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 61% of banks under $1B in assets in TX
Bank 59.96%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.87%1.20%1.65%Beats 37%133 / 211
Return on Equity10.82%7.52%11.67%14.58%Beats 45%117 / 211
Net Interest Margin2.98%3.28%3.82%4.31%Beats 17%175 / 211
Efficiency Ratio59.96%53.01%64.18%73.65%Beats 61%84 / 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 100%43 / 208
Capital
Tier 1 Capital Ratio29.71%11.72%14.45%19.57%Beats 89%24 / 211
Total Risk-Based Capital Ratio30.96%11.94%14.78%20.30%Beats 89%23 / 211
Equity / Assets9.34%9.41%11.06%12.94%Beats 24%160 / 211
Liquidity & Funding
Loans / Deposits26.47%45.39%66.56%82.03%7th pctl194 / 208
Loans / Assets23.88%39.13%56.90%70.46%9th pctl193 / 211
Brokered Deposits / Depositsn/aNot reported for this institution