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American National Bank of Mount Pleasant, The

Mount Pleasant, TX · Cert 22942 · Northeast Texas Bancshares Inc.

National charter · OCC · 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

34

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

57

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

American National Bank of Mount Pleasant, The

Mount Pleasant, TX · Cert 22942 · Northeast Texas Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$144.6MAssets
$93.3MLoans
$130.3MDeposits
$14.0MEquity
Loan mix
75%RE $62.8M13%C&I $10.9M12%Consumer $10.3MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $83.1M36%Noninterest $47.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.20%, down 37 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.00% of loans (-33 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.82%, up 30 bps from a year ago.
  • Funding: loans stand at 71.63% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.20%-37 bps YoY

Net Interest Margin (YTD, annualized)

4.66%+13 bps YoY

Efficiency Ratio (YTD, annualized)

60.84%+33 bps YoY

Tier 1 Leverage Ratio

12.82%+30 bps YoY

NIM

5.83%Q2 ’246.00%Q2 ’256.01%Q2 ’26+8%+3%

Non-interest income vs. expense

2.84%Q2 ’243.13%Q2 ’253.24%Q2 ’26+13%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.60%1.42%1.57%1.54%1.47%1.31%1.20%-37 bps
Return on Equity21.62%21.19%18.36%19.80%18.76%17.13%13.84%12.62%-718 bps
Net Interest Margin4.24%4.30%4.52%4.53%4.59%4.55%4.57%4.66%+13 bps
Efficiency Ratio57.57%58.20%63.57%60.51%61.46%60.94%64.56%60.84%+33 bps
Non-Interest Burden2.16%2.23%2.64%2.49%2.57%2.51%2.72%2.57%+9 bps
Growth
Asset Growth (YoY)4.41%2.39%4.76%1.14%8.02%8.48%4.89%7.17%+603 bps
Loan Growth (YoY)5.95%9.30%5.10%12.21%15.53%11.36%6.85%5.61%-660 bps
Deposit Growth (YoY)-1.64%-0.79%2.77%1.02%9.08%8.70%5.77%5.62%+459 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.23%0.58%0.33%0.40%0.06%0.07%0.00%-33 bps
Net Charge-Offs / Loans0.33%0.27%0.01%0.08%0.20%0.32%0.04%0.04%-5 bps
Allowance / Loans1.89%1.81%1.86%1.80%1.72%1.79%1.93%1.95%+15 bps
Allowance Coverage of NPLs92.6x7.8x3.2x5.5x4.3x31.8x29.4xn/an/a
Capital
Tier 1 Leverage Ratio12.49%12.96%12.14%12.52%12.84%12.91%12.50%12.82%+30 bps
Total Risk-Based Capital12.49%12.96%12.14%12.52%12.84%12.91%12.50%12.82%+30 bps
Equity / Assets8.74%8.00%7.51%8.33%9.02%9.97%8.90%9.66%+133 bps
Liquidity & Funding
Loans / Deposits65.50%70.99%68.13%71.64%69.38%72.73%68.83%71.63%0 bps
Liquid Assets / Assets3.77%0.01%4.54%0.19%4.09%1.18%4.64%3.00%+281 bps
CRE / Total Capitaln/an/an/an/a168.06%173.66%186.04%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

American National Bank of Mount Pleasant, The

Mount Pleasant, TX · Cert 22942 · Peer group: banks under $1B in assets in TX (n=208-211) · Northeast Texas Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$144.6MAssets
$93.3MLoans
$130.3MDeposits
$14.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: equity / assets trails 73% of banks under $1B in assets in TX (rank 153 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.19%

Rank 107 of 211

Net Interest Margin

4.66%

Rank 26 of 211

Efficiency Ratio

60.84%

Rank 91 of 211

Equity / Assets

9.66%

Rank 153 of 211

Non-interest income vs. expense

$1.0M$4.8MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 57% of banks under $1B in assets in TX
Bank 60.84%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.19%0.87%1.20%1.65%Beats 49%107 / 211
Return on Equity12.33%7.52%11.67%14.58%Beats 55%94 / 211
Net Interest Margin4.66%3.28%3.82%4.31%Beats 88%26 / 211
Efficiency Ratio60.84%53.01%64.18%73.65%Beats 57%91 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.03%0.00%0.01%0.06%Beats 39%128 / 208
Capital
Tier 1 Capital Ratio12.82%11.72%14.45%19.57%Beats 38%130 / 211
Total Risk-Based Capital Ratio12.82%11.94%14.78%20.30%Beats 38%131 / 211
Equity / Assets9.66%9.41%11.06%12.94%Beats 27%153 / 211
Liquidity & Funding
Loans / Deposits71.63%45.39%66.56%82.03%59th pctl86 / 208
Loans / Assets64.53%39.13%56.90%70.46%63rd pctl78 / 211
Brokered Deposits / Depositsn/aNot reported for this institution