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Western Bank

Lordsburg, NM · Cert 2249 · Lordsburg Financial Corp.

State charter, Fed member · FED · 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 operating regionally3

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 operating regionally (n=94). 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

89

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

84

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

Western Bank

Lordsburg, NM · Cert 2249 · Lordsburg Financial Corp.

State charter, Fed member · FED · 5 branches

Q2 2026

$325.9MAssets
$76.3MLoans
$285.7MDeposits
$36.6MEquity
Loan mix
83%RE $51.5M12%C&I $7.3M5%Consumer $3.2MQ2 2025Q2 2026
Deposit mix
52%Interest-bearing $148.4M48%Noninterest $137.4MQ2 2025Q2 2026

NIM

4.18%Q2 ’244.03%Q2 ’254.07%Q2 ’26-3%+3%

Non-interest income vs. expense

2.35%Q2 ’242.30%Q2 ’252.30%Q2 ’26+0%0%

Market Position · Sierra Vista-Douglas, AZ · 2026 SOD (annual) · 5.6% share · #7 of 8 inst. · $0.1B of $1.7B

100.0% Hidalgo
5.6% Cochise
14.3% Grant

Executive Summary

  • Earnings: ROA of 1.52%, up 5 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.64% of loans (-90 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 12.21%, up 25 bps from a year ago.
  • Funding: loans stand at 26.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.52%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+10 bps YoY

Efficiency Ratio (YTD, annualized)

54.03%-145 bps YoY

Tier 1 Leverage Ratio

12.21%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.56%1.61%1.49%1.52%+5 bps
Return on Equity12.58%13.49%14.05%13.46%13.71%+113 bps
Net Interest Margin3.51%3.52%3.47%3.56%3.61%+10 bps
Efficiency Ratio55.48%53.71%52.56%54.41%54.03%-145 bps
Non-Interest Burden1.66%1.59%1.52%1.65%1.66%0 bps
Growth
Asset Growth (YoY)6.64%10.38%9.91%10.56%4.55%-209 bps
Loan Growth (YoY)-1.26%-3.79%-1.01%4.88%3.60%+486 bps
Deposit Growth (YoY)7.53%12.59%11.20%12.47%4.09%-344 bps
Asset Quality
Nonperforming Loans / Loans1.54%1.05%0.75%0.72%0.64%-90 bps
Net Charge-Offs / Loans0.00%0.05%0.21%-0.06%-0.07%-7 bps
Allowance / Loans2.12%2.16%1.96%2.00%1.94%-18 bps
Allowance Coverage of NPLs1.4x2.1x2.6x2.8x3.0x+1.7x
Capital
Tier 1 Leverage Ratio11.96%11.89%11.74%11.96%12.21%+25 bps
Total Risk-Based Capital33.71%34.17%33.70%33.70%34.21%+50 bps
Equity / Assets10.78%10.96%11.17%10.96%11.22%+45 bps
Liquidity & Funding
Loans / Deposits26.84%25.52%26.26%25.34%26.71%-13 bps
Liquid Assets / Assets38.76%38.94%36.18%37.67%36.31%-245 bps
CRE / Total Capitaln/a45.69%51.93%49.77%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

Western Bank

Lordsburg, NM · Cert 2249 · Peer group: banks under $1B in assets operating regionally (n=94) · Lordsburg Financial Corp.

State charter, Fed member · FED · 5 branches

Q2 2026

$325.9MAssets
$76.3MLoans
$285.7MDeposits
$36.6MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 99% of banks under $1B in assets operating regionally (rank 1 of 94).
  • Widest gap: net interest margin trails 67% of banks under $1B in assets operating regionally (rank 63 of 94).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.52%

Rank 16 of 94

Net Interest Margin

3.61%

Rank 63 of 94

Efficiency Ratio

54.03%

Rank 16 of 94

Equity / Assets

11.22%

Rank 29 of 94

Non-interest income vs. expense

$2.1M$7.4MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 84% of banks under $1B in assets operating regionally
Bank 54.03%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.52%0.82%1.19%1.46%Beats 83%16 / 94
Return on Equity13.55%7.85%11.84%14.03%Beats 71%27 / 94
Net Interest Margin3.61%3.42%3.81%4.18%Beats 33%63 / 94
Efficiency Ratio54.03%55.99%62.41%73.02%Beats 84%16 / 94
Asset Quality
Nonperforming Loans / Loans0.64%0.19%0.47%1.14%Beats 43%55 / 94
Net Charge-Offs / Loans0.01%0.00%0.02%0.05%Beats 61%38 / 94
Capital
Tier 1 Capital Ratio32.97%10.28%11.95%15.07%Beats 99%1 / 94
Total Risk-Based Capital Ratio34.21%10.31%12.59%15.88%Beats 99%1 / 94
Equity / Assets11.22%8.98%10.21%11.41%Beats 69%29 / 94
Liquidity & Funding
Loans / Deposits26.71%72.62%84.44%94.55%0th pctl94 / 94
Loans / Assets23.42%62.50%72.84%78.99%0th pctl94 / 94
Brokered Deposits / Depositsn/aNot reported for this institution