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Lovelady State Bank

Lovelady, TX · Cert 21807

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 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

21

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

Lovelady State Bank

Lovelady, TX · Cert 21807

State charter, non-member · FDIC · 1 branch

Q2 2026

$52.5MAssets
$23.6MLoans
$44.9MDeposits
$6.6MEquity
Loan mix
53%RE $11.5M23%C&I $5.1M24%Consumer $5.3MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $29.9M33%Noninterest $15.0MQ2 2025Q2 2026

NIM

5.20%Q2 ’245.03%Q2 ’255.05%Q2 ’26-11%+1%

Non-interest income vs. expense

3.57%Q2 ’243.36%Q2 ’253.70%Q2 ’26-4%+2%

Executive Summary

  • Earnings: ROA of 0.93%, down 2 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 1.42% of loans (+62 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.84%, up 93 bps from a year ago.
  • Funding: loans stand at 52.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+3 bps YoY

Efficiency Ratio (YTD, annualized)

75.48%+228 bps YoY

Tier 1 Leverage Ratio

12.84%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%1.11%1.03%0.85%0.93%-2 bps
Return on Equity8.35%9.67%9.01%7.21%7.67%-68 bps
Net Interest Margin4.04%4.17%4.12%3.82%4.07%+3 bps
Efficiency Ratio73.21%69.73%70.92%79.36%75.48%+228 bps
Non-Interest Burden2.82%2.74%2.76%2.74%2.87%+5 bps
Growth
Asset Growth (YoY)9.36%3.09%5.71%-3.57%-4.36%-1,373 bps
Loan Growth (YoY)5.06%4.98%4.34%-0.01%0.18%-488 bps
Deposit Growth (YoY)9.63%2.69%5.39%-4.83%-5.86%-1,548 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.84%0.73%0.95%1.42%+62 bps
Net Charge-Offs / Loans0.06%0.08%0.15%0.00%0.00%-6 bps
Allowance / Loans1.43%1.40%1.40%1.43%1.43%-1 bps
Allowance Coverage of NPLs1.8x1.7x1.9x1.5x1.0x-0.8x
Capital
Tier 1 Leverage Ratio11.91%12.08%11.80%12.25%12.84%+93 bps
Total Risk-Based Capital23.35%23.62%22.99%24.18%24.56%+121 bps
Equity / Assets11.43%11.89%11.56%12.14%12.62%+119 bps
Liquidity & Funding
Loans / Deposits49.35%50.45%50.24%51.03%52.51%+317 bps
Liquid Assets / Assets25.51%21.37%23.42%22.89%11.97%-1,353 bps
CRE / Total Capitaln/a45.11%54.21%51.86%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

Lovelady State Bank

Lovelady, TX · Cert 21807 · Peer group: banks under $1B in assets in TX (n=208-211)

State charter, non-member · FDIC · 1 branch

Q2 2026

$52.5MAssets
$23.6MLoans
$44.9MDeposits
$6.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: efficiency ratio trails 79% of banks under $1B in assets in TX (rank 167 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.95%

Rank 147 of 211

Net Interest Margin

4.07%

Rank 81 of 211

Efficiency Ratio

75.48%

Rank 167 of 211

Equity / Assets

12.62%

Rank 63 of 211

Non-interest income vs. expense

$0.4M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 21% of banks under $1B in assets in TX
Bank 75.48%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.87%1.20%1.65%Beats 30%147 / 211
Return on Equity7.54%7.52%11.67%14.58%Beats 25%158 / 211
Net Interest Margin4.07%3.28%3.82%4.31%Beats 62%81 / 211
Efficiency Ratio75.48%53.01%64.18%73.65%Beats 21%167 / 211
Asset Quality
Nonperforming Loans / Loans1.42%0.01%0.30%1.10%Beats 22%163 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio23.40%11.72%14.45%19.57%Beats 83%36 / 211
Total Risk-Based Capital Ratio24.56%11.94%14.78%20.30%Beats 83%36 / 211
Equity / Assets12.62%9.41%11.06%12.94%Beats 70%63 / 211
Liquidity & Funding
Loans / Deposits52.51%45.39%66.56%82.03%28th pctl149 / 208
Loans / Assets44.88%39.13%56.90%70.46%29th pctl150 / 211
Brokered Deposits / Depositsn/aNot reported for this institution