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Round Top State Bank

Round Top, TX · Cert 19358 · Round Top Bancshares Inc.

State charter, non-member · FDIC · 7 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

29

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

82

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

Round Top State Bank

Round Top, TX · Cert 19358 · Round Top Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$974.1MAssets
$599.6MLoans
$870.3MDeposits
$100.8MEquity
Loan mix
93%RE $544.1M4%C&I $21.5M3%Consumer $17.3MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $665.5M24%Noninterest $204.8MQ2 2025Q2 2026

NIM

4.40%Q2 ’244.54%Q2 ’254.69%Q2 ’26+18%+9%

Non-interest income vs. expense

1.48%Q2 ’241.59%Q2 ’251.55%Q2 ’26+7%-1%

Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.4% share · #33 of 73 inst. · $0.3B of $70.4B

20.2% Fayette
2.1% Williamson
29.1% Lee

Executive Summary

  • Earnings: ROA of 1.26%, up 18 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.36% of loans (+36 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.94%, up 7 bps from a year ago.
  • Funding: loans stand at 68.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+24 bps YoY

Efficiency Ratio (YTD, annualized)

50.10%-514 bps YoY

Tier 1 Leverage Ratio

11.94%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.14%1.17%1.21%1.26%+18 bps
Return on Equity11.49%11.84%12.02%11.92%12.37%+87 bps
Net Interest Margin2.68%2.74%2.74%2.94%2.93%+24 bps
Efficiency Ratio55.24%53.27%52.20%50.90%50.10%-514 bps
Non-Interest Burden1.40%1.37%1.34%1.41%1.38%-1 bps
Growth
Asset Growth (YoY)-2.25%6.67%6.89%9.78%6.49%+873 bps
Loan Growth (YoY)0.22%1.60%3.61%5.41%4.08%+385 bps
Deposit Growth (YoY)3.83%6.35%5.54%9.17%5.63%+179 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.01%0.06%0.36%+36 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans0.90%0.89%0.91%0.89%0.89%-1 bps
Allowance Coverage of NPLs2603.5xn/a111.4x14.3x2.5x-2601.0x
Capital
Tier 1 Leverage Ratio11.87%12.03%11.73%11.93%11.94%+7 bps
Total Risk-Based Capital11.87%12.03%11.73%11.93%11.94%+7 bps
Equity / Assets9.64%10.10%10.25%10.05%10.35%+71 bps
Liquidity & Funding
Loans / Deposits69.92%69.06%69.44%68.91%68.90%-103 bps
Liquid Assets / Assets3.56%3.48%3.16%3.25%3.06%-51 bps
CRE / Total Capitaln/a218%217%219%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

Round Top State Bank

Round Top, TX · Cert 19358 · Peer group: banks under $1B in assets in TX (n=208-211) · Round Top Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$974.1MAssets
$599.6MLoans
$870.3MDeposits
$100.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 82% of banks under $1B in assets in TX (rank 40 of 211).
  • Widest gap: net interest margin trails 86% of banks under $1B in assets in TX (rank 181 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.25%

Rank 96 of 211

Net Interest Margin

2.93%

Rank 181 of 211

Efficiency Ratio

50.10%

Rank 40 of 211

Equity / Assets

10.35%

Rank 130 of 211

Non-interest income vs. expense

$1.7M$15.5MINCOMEEXPENSE
Unfavorable gap of $13.8M · efficiency ratio beats 82% of banks under $1B in assets in TX
Bank 50.10%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%0.87%1.20%1.65%Beats 55%96 / 211
Return on Equity12.08%7.52%11.67%14.58%Beats 53%99 / 211
Net Interest Margin2.93%3.28%3.82%4.31%Beats 14%181 / 211
Efficiency Ratio50.10%53.01%64.18%73.65%Beats 82%40 / 211
Asset Quality
Nonperforming Loans / Loans0.36%0.01%0.30%1.10%Beats 48%110 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 76%51 / 208
Capital
Tier 1 Capital Ratio11.94%11.72%14.45%19.57%Beats 25%158 / 211
Total Risk-Based Capital Ratio11.94%11.94%14.78%20.30%Beats 25%159 / 211
Equity / Assets10.35%9.41%11.06%12.94%Beats 38%130 / 211
Liquidity & Funding
Loans / Deposits68.90%45.39%66.56%82.03%54th pctl95 / 208
Loans / Assets61.56%39.13%56.90%70.46%58th pctl88 / 211
Brokered Deposits / Depositsn/aNot reported for this institution