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West Texas National Bank

Midland, TX · Cert 22957 · First West TX Bancshares Inc.

National charter · OCC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

87

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

West Texas National Bank

Midland, TX · Cert 22957 · First West TX Bancshares Inc.

National charter · OCC · 13 branches

Q2 2026

$2.9BAssets
$1.5BLoans
$2.6BDeposits
$295.2MEquity
Loan mix
62%RE $904.1M38%C&I $551.3M0%Consumer $5.7MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $1.7B32%Noninterest $0.8BQ2 2025Q2 2026

NIM

5.81%Q2 ’245.55%Q2 ’255.38%Q2 ’26-5%+4%

Non-interest income vs. expense

1.76%Q2 ’241.57%Q2 ’251.86%Q2 ’26-9%+21%

Market Position · Midland, TX · 2026 SOD (annual) · 13.7% share · #3 of 15 inst. · $1.3B of $9.3B

14.3% Midland
46.7% Reeves
30.3% Gaines
63.7% Brewster

Executive Summary

  • Earnings: ROA of 1.25%, down 30 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 1.67% of loans (+10 bps YoY), with net charge-offs at 0.88%.
  • Capital: tier 1 leverage ratio of 10.52%, up 114 bps from a year ago.
  • Funding: loans stand at 58.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+13 bps YoY

Efficiency Ratio (YTD, annualized)

46.51%+588 bps YoY

Tier 1 Leverage Ratio

10.52%+114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.37%1.45%0.82%1.25%-30 bps
Return on Equity17.08%14.67%15.26%8.06%12.20%-488 bps
Net Interest Margin3.67%3.80%3.76%3.66%3.80%+13 bps
Efficiency Ratio40.63%41.22%41.62%46.42%46.51%+588 bps
Non-Interest Burden1.37%1.43%1.43%1.57%1.66%+29 bps
Growth
Asset Growth (YoY)13.65%10.21%1.60%-3.29%7.05%-660 bps
Loan Growth (YoY)4.39%5.14%8.21%11.16%1.18%-320 bps
Deposit Growth (YoY)13.34%9.91%0.16%-4.76%6.68%-666 bps
Asset Quality
Nonperforming Loans / Loans1.57%1.31%1.24%2.00%1.67%+10 bps
Net Charge-Offs / Loans0.04%0.30%0.60%0.53%0.88%+84 bps
Allowance / Loans1.96%2.11%1.90%2.19%1.95%-1 bps
Allowance Coverage of NPLs1.3x1.6x1.5x1.1x1.2x-0.1x
Capital
Tier 1 Leverage Ratio9.38%9.85%9.97%10.11%10.52%+114 bps
Total Risk-Based Capital16.23%16.16%16.54%17.06%18.01%+178 bps
Equity / Assets9.73%10.02%10.16%10.30%10.24%+52 bps
Liquidity & Funding
Loans / Deposits61.76%63.60%61.80%62.52%58.58%-318 bps
Liquid Assets / Assets20.38%19.73%20.53%17.38%22.03%+165 bps
CRE / Total Capitaln/a196.58%193.97%188.46%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

West Texas National Bank

Midland, TX · Cert 22957 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First West TX Bancshares Inc.

National charter · OCC · 13 branches

Q2 2026

$2.9BAssets
$1.5BLoans
$2.6BDeposits
$295.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 87% of banks $1B-$10B in assets operating in a single state (rank 35 of 257).
  • Widest gap: net charge-offs / loans trails 96% of banks $1B-$10B in assets operating in a single state (rank 249 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.22%

Rank 133 of 258

Net Interest Margin

3.80%

Rank 75 of 258

Efficiency Ratio

46.51%

Rank 35 of 257

Equity / Assets

10.24%

Rank 129 of 258

Non-interest income vs. expense

$5.5M$52.3MINCOMEEXPENSE
Unfavorable gap of $46.8M · efficiency ratio beats 87% of banks $1B-$10B in assets operating in a single state
Bank 46.51%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.22%0.93%1.23%1.54%Beats 48%133 / 258
Return on Equity11.95%9.26%11.84%14.74%Beats 51%127 / 258
Net Interest Margin3.80%3.16%3.49%3.88%Beats 71%75 / 258
Efficiency Ratio46.51%51.71%60.30%69.65%Beats 87%35 / 257
Asset Quality
Nonperforming Loans / Loans1.67%0.19%0.46%0.90%Beats 10%232 / 258
Net Charge-Offs / Loans0.44%0.01%0.02%0.07%Beats 4%249 / 258
Capital
Tier 1 Capital Ratio16.75%11.41%12.98%15.12%Beats 84%42 / 258
Total Risk-Based Capital Ratio18.01%12.10%13.91%16.08%Beats 84%40 / 258
Equity / Assets10.24%9.09%10.24%11.72%Beats 50%129 / 258
Liquidity & Funding
Loans / Deposits58.58%73.24%86.34%95.95%6th pctl242 / 258
Loans / Assets52.05%63.01%72.27%78.40%9th pctl236 / 258
Brokered Deposits / Depositsn/aNot reported for this institution