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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

Market Position · Killeen-Temple, TX · 2024 SOD (annual) · 5.3% share · #5 of 22 inst. · $0.4B of $6.6B

5.1% Bell
8.7% Coryell

Executive Summary

  • Earnings: ROA of 1.27%, down 10 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.94%, up 69 bps from a year ago.
  • Funding: loans stand at 52.20% of deposits as of Q3 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
Earnings
Return on Assets1.17%1.35%1.35%1.37%1.34%1.36%1.29%1.27%-10 bps
Return on Equity13.19%14.62%14.25%14.20%13.59%12.96%12.11%11.91%-229 bps
Net Interest Margin2.73%3.13%3.19%3.21%3.29%3.22%3.18%3.18%-3 bps
Efficiency Ratio53.39%50.85%51.24%51.32%52.39%53.13%54.67%54.61%+329 bps
Non-Interest Burden1.29%1.42%1.45%1.46%1.54%1.53%1.56%1.56%+10 bps
Growth
Asset Growth (YoY)3.41%-2.98%-3.45%-9.73%-9.46%-2.30%-3.40%1.10%+1,082 bps
Loan Growth (YoY)1.56%1.56%10.97%4.17%0.19%-0.74%-4.41%6.37%+220 bps
Deposit Growth (YoY)3.03%-3.98%-8.37%-12.66%-11.20%-3.29%-0.45%1.94%+1,460 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.02%0.00%0.00%0.02%+1 bps
Allowance / Loans0.40%0.50%0.47%0.46%0.46%0.45%0.45%0.45%-1 bps
Allowance Coverage of NPLs37.3xn/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.21%9.52%9.95%10.25%10.70%10.68%10.90%10.94%+69 bps
Total Risk-Based Capital18.23%18.78%18.89%19.47%20.32%19.86%20.32%19.75%+28 bps
Equity / Assets9.11%9.43%9.95%10.16%10.73%10.28%10.94%10.66%+50 bps
Liquidity & Funding
Loans / Deposits44.77%46.62%53.06%50.03%50.52%47.85%50.95%52.20%+218 bps
Liquid Assets / Assets50.20%48.92%46.04%47.54%47.07%50.04%47.72%46.80%-73 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

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

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 55 of 231).
  • Widest gap: net interest margin trails 63% of banks under $1B in assets in TX (rank 146 of 233).
  • Overall: at or above the peer median on 8 of 9 directional measures.

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
Earnings
Return on Assets1.24%0.70%1.03%1.41%Beats 67%78 / 233
Return on Equity11.64%6.64%10.13%13.99%Beats 60%93 / 230
Net Interest Margin3.18%2.83%3.52%4.24%Beats 37%146 / 233
Efficiency Ratio54.61%55.71%65.30%74.67%Beats 78%53 / 233
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.18%0.61%Beats 100%55 / 231
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 68%75 / 231
Capital
Tier 1 Capital Ratio19.36%11.86%14.65%19.57%Beats 73%63 / 233
Total Risk-Based Capital Ratio19.75%12.02%15.27%20.51%Beats 73%64 / 233
Equity / Assets10.66%8.73%10.17%12.19%Beats 58%99 / 233
Liquidity & Funding
Loans / Deposits52.20%46.87%69.26%82.44%32nd pctl157 / 231
Loans / Assets46.16%41.30%58.92%69.24%32nd pctl157 / 231
Brokered Deposits / Depositsn/aNot reported for this institution