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Bank of San Jacinto County, Coldspring, Texas, The

Coldspring, TX · Cert 18942 · Banc San Jacinto Cnty Bancshares

State charter, non-member · FDIC · 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 the Houston-Pasadena-The Woodlands, TX area3

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 the Houston-Pasadena-The Woodlands, TX area (n=21). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

52

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

Bank of San Jacinto County, Coldspring, Texas, The

Coldspring, TX · Cert 18942 · Banc San Jacinto Cnty Bancshares

State charter, non-member · FDIC · 1 branch

Q2 2026

$42.0MAssets
$12.4MLoans
$35.3MDeposits
$6.6MEquity
Loan mix
87%RE $11.2M7%C&I $0.8M6%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
33%Interest-bearing $11.5M67%Noninterest $23.8MQ3 2024Q2 2026

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #93 of 107 inst. · $0.0B of $360.4B

Executive Summary

  • Earnings: ROA of 1.27%, down 30 bps year over year; NIM at 4.58%.
  • 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 17.77%, up 159 bps from a year ago.
  • Funding: loans stand at 35.11% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.27%-30 bps YoY

Net Interest Margin (YTD, annualized)

4.58%-28 bps YoY

Efficiency Ratio (YTD, annualized)

68.18%+360 bps YoY

Tier 1 Leverage Ratio

17.77%+159 bps YoY

NIM

5.13%Q2 ’245.01%Q2 ’254.70%Q2 ’26-2%-6%

Non-interest income vs. expense

3.61%Q2 ’243.60%Q2 ’253.46%Q2 ’26+2%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%1.70%1.28%1.56%1.64%1.28%1.17%1.27%-30 bps
Return on Equity15.65%14.27%10.37%12.28%12.35%9.33%7.85%8.34%-395 bps
Net Interest Margin4.89%4.96%4.62%4.85%4.94%4.99%4.43%4.58%-28 bps
Efficiency Ratio60.34%64.04%69.49%64.58%62.80%71.11%69.11%68.18%+360 bps
Non-Interest Burden2.56%2.85%2.98%2.87%2.83%3.33%2.93%2.96%+9 bps
Growth
Asset Growth (YoY)-1.54%-0.25%7.74%-2.68%-3.60%-1.86%-3.46%-5.32%-264 bps
Loan Growth (YoY)12.46%9.30%2.96%4.51%8.14%0.19%3.15%-6.43%-1,094 bps
Deposit Growth (YoY)-5.16%-0.21%5.88%-5.37%-5.74%-5.21%-5.82%-7.80%-243 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.02%0.00%0.00%0.20%0.16%0.00%0.00%0 bps
Allowance / Loans1.96%1.96%1.99%1.86%1.67%1.80%1.78%1.83%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.45%15.68%15.65%16.18%17.15%17.46%17.20%17.77%+159 bps
Total Risk-Based Capital15.45%15.68%15.65%16.18%17.15%17.46%17.20%17.77%+159 bps
Equity / Assets13.10%12.24%12.43%13.53%15.07%15.25%14.58%15.80%+227 bps
Liquidity & Funding
Loans / Deposits32.07%32.49%30.63%34.59%36.79%34.34%33.54%35.11%+52 bps
Liquid Assets / Assets28.72%25.88%30.32%28.17%27.31%30.78%33.50%34.34%+616 bps
CRE / Total Capitaln/an/an/an/a22.70%23.40%23.79%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

Bank of San Jacinto County, Coldspring, Texas, The

Coldspring, TX · Cert 18942 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Banc San Jacinto Cnty Bancshares

State charter, non-member · FDIC · 1 branch

Q2 2026

$42.0MAssets
$12.4MLoans
$35.3MDeposits
$6.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 5 of 21).
  • Widest gap: return on equity trails 57% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 12 of 21).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.31%

Rank 10 of 21

Net Interest Margin

4.58%

Rank 5 of 21

Efficiency Ratio

68.18%

Rank 11 of 21

Equity / Assets

15.80%

Rank 6 of 21

Non-interest income vs. expense

$0.2M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 52% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 68.18%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.31%0.77%1.16%1.46%Beats 52%10 / 21
Return on Equity8.29%6.66%8.42%15.66%Beats 43%12 / 21
Net Interest Margin4.58%3.50%3.97%4.41%Beats 76%5 / 21
Efficiency Ratio68.18%59.33%68.18%79.00%Beats 52%11 / 21
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.37%1.25%Beats 100%5 / 21
Net Charge-Offs / Loans0.00%n/a0.01%0.05%Beats 100%9 / 21
Capital
Tier 1 Capital Ratio17.77%12.65%15.76%18.38%Beats 62%8 / 21
Total Risk-Based Capital Ratio17.77%12.65%16.68%19.63%Beats 62%8 / 21
Equity / Assets15.80%9.08%11.30%15.80%Beats 71%6 / 21
Liquidity & Funding
Loans / Deposits35.11%64.96%78.30%90.30%10th pctl19 / 21
Loans / Assets29.54%55.83%65.86%74.20%5th pctl20 / 21
Brokered Deposits / Depositsn/aNot reported for this institution