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First Texas Bank

Killeen, TX · Cert 22551

FDIC · 4 branches

Q3 2024

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: Q3 2024, the quarter ended September 30, 2024, 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=230 to 233). 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

68

Q2 2024Q3 2024peer median (50)

Asset Quality

84

Q2 2024Q3 2024peer median (50)

Profitability

55

Q2 2024Q3 2024peer median (50)

Liquidity

56

Q2 2024Q3 2024peer median

Efficiency

78

Q2 2024Q3 2024peer 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

First Texas Bank

Killeen, TX · Cert 22551

FDIC · 4 branches

Q3 2024

$416.7MAssets
$192.3MLoans
$368.4MDeposits
$44.4MEquity
Loan mix
94%RE $153.4M5%C&I $7.4M2%Consumer $3.0MQ4 2022Q3 2024
Deposit mix
57%Interest-bearing $211.3M43%Noninterest $157.2MQ4 2022Q3 2024

Return on Assets (YTD, annualized)

1.27%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.18%-3 bps YoY

Efficiency Ratio (YTD, annualized)

54.61%+329 bps YoY

Tier 1 Leverage Ratio

10.94%+69 bps YoY

NIM

2.67%Q3 ’223.53%Q3 ’233.76%Q3 ’24+22%-1%

Non-interest income vs. expense

1.63%Q3 ’221.84%Q3 ’231.95%Q3 ’24+16%+7%

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Return on Assets1.17%1.35%1.35%1.37%1.34%1.36%1.29%1.27%-10 bps
Net Interest Margin2.73%3.13%3.19%3.21%3.29%3.22%3.18%3.18%-3 bps
Non-Interest Burden1.29%1.42%1.45%1.46%1.54%1.53%1.56%1.56%+10 bps
Loan Growth (YoY)1.56%1.56%10.97%4.17%0.19%-0.74%-4.41%6.37%+220 bps
Nonperforming Loans / Loans0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.40%0.50%0.47%0.46%0.46%0.45%0.45%0.45%-1 bps
Tier 1 Leverage Ratio9.21%9.52%9.95%10.25%10.70%10.68%10.90%10.94%+69 bps
Equity / Assets9.11%9.43%9.95%10.16%10.73%10.28%10.94%10.66%+50 bps
Liquid Assets / Assets50.20%48.92%46.04%47.54%47.07%50.04%47.72%46.80%-73 bps

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

First Texas Bank

Killeen, TX · Cert 22551 · Peer group: banks under $1B in assets in TX (n=230-233)

FDIC · 4 branches

Q3 2024

$416.7MAssets
$192.3MLoans
$368.4MDeposits
$44.4MEquity

Return on Assets

1.24%

Rank 78 of 233

Net Interest Margin

3.18%

Rank 146 of 233

Efficiency Ratio

54.61%

Rank 53 of 233

Equity / Assets

10.66%

Rank 99 of 233

Non-interest income vs. expense

$1.6M$7.9MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 78% of banks under $1B in assets in TX
Bank 54.61%Peer median 65.3%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets1.24%0.70%1.03%1.41%Beats 67%78 / 233
Net Interest Margin3.18%2.83%3.52%4.24%Beats 37%146 / 233
Nonperforming Loans / Loans0.00%0.01%0.18%0.61%Beats 100%55 / 231
Tier 1 Capital Ratio19.36%11.86%14.65%19.57%Beats 73%63 / 233
Equity / Assets10.66%8.73%10.17%12.19%Beats 58%99 / 233
Loans / Assets46.16%41.30%58.92%69.24%32nd pctl157 / 231