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First Community Bank

San Benito, TX · Cert 22964 · First San Benito Bancshares

State charter, non-member · FDIC · 9 branches

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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

71

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

First Community Bank

San Benito, TX · Cert 22964 · First San Benito Bancshares

State charter, non-member · FDIC · 9 branches

Q2 2026

$794.4MAssets
$466.8MLoans
$697.4MDeposits
$69.5MEquity
Loan mix
80%RE $367.7M20%C&I $90.5M1%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
58%Interest-bearing $407.0M42%Noninterest $290.5MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.25%Q2 ’255.13%Q2 ’26+12%+4%

Non-interest income vs. expense

2.37%Q2 ’242.62%Q2 ’252.60%Q2 ’26+14%-1%

Market Position · Brownsville-Harlingen, TX · 2026 SOD (annual) · 8.3% share · #5 of 19 inst. · $0.5B of $6.6B

8.3% Cameron
52.1% Willacy
0.4% Hidalgo

Executive Summary

  • Earnings: ROA of 1.78%, up 24 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.01% of loans (-6 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.36%, up 45 bps from a year ago.
  • Funding: loans stand at 66.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.78%+24 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+15 bps YoY

Efficiency Ratio (YTD, annualized)

55.21%-220 bps YoY

Tier 1 Leverage Ratio

10.36%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.62%1.70%1.71%1.78%+24 bps
Return on Equity21.17%21.68%22.10%20.05%20.69%-47 bps
Net Interest Margin3.94%3.92%4.00%4.03%4.10%+15 bps
Efficiency Ratio57.41%56.39%55.83%56.30%55.21%-220 bps
Non-Interest Burden2.00%1.94%1.95%2.00%1.99%-1 bps
Growth
Asset Growth (YoY)-2.06%3.42%6.05%8.17%4.33%+640 bps
Loan Growth (YoY)2.80%3.28%1.40%-0.80%-2.47%-527 bps
Deposit Growth (YoY)2.40%6.20%6.90%8.97%4.40%+201 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.06%0.06%0.06%0.01%-6 bps
Net Charge-Offs / Loans0.02%0.02%0.02%0.02%0.02%0 bps
Allowance / Loans1.26%1.26%1.28%1.29%1.29%+3 bps
Allowance Coverage of NPLs20.1x20.3x20.2x20.1x231.1x+211.0x
Capital
Tier 1 Leverage Ratio9.91%9.82%10.13%10.21%10.36%+45 bps
Total Risk-Based Capital9.91%9.82%10.13%10.21%10.36%+45 bps
Equity / Assets7.38%7.94%8.52%8.58%8.75%+137 bps
Liquidity & Funding
Loans / Deposits71.64%68.33%68.48%66.58%66.93%-471 bps
Liquid Assets / Assets4.94%8.71%7.23%9.47%9.33%+439 bps
CRE / Total Capitaln/a395%377%360%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

First Community Bank

San Benito, TX · Cert 22964 · Peer group: banks under $1B in assets in TX (n=208-211) · First San Benito Bancshares

State charter, non-member · FDIC · 9 branches

Q2 2026

$794.4MAssets
$466.8MLoans
$697.4MDeposits
$69.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 93% of banks under $1B in assets in TX (rank 14 of 211).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in TX (rank 190 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.77%

Rank 36 of 211

Net Interest Margin

4.10%

Rank 75 of 211

Efficiency Ratio

55.21%

Rank 63 of 211

Equity / Assets

8.75%

Rank 181 of 211

Non-interest income vs. expense

$5.0M$21.1MINCOMEEXPENSE
Unfavorable gap of $16.2M · efficiency ratio beats 71% of banks under $1B in assets in TX
Bank 55.21%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.77%0.87%1.20%1.65%Beats 83%36 / 211
Return on Equity20.25%7.52%11.67%14.58%Beats 93%14 / 211
Net Interest Margin4.10%3.28%3.82%4.31%Beats 64%75 / 211
Efficiency Ratio55.21%53.01%64.18%73.65%Beats 71%63 / 211
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.30%1.10%Beats 78%47 / 208
Net Charge-Offs / Loans0.02%0.00%0.01%0.06%Beats 47%111 / 208
Capital
Tier 1 Capital Ratio10.36%11.72%14.45%19.57%Beats 11%187 / 211
Total Risk-Based Capital Ratio10.36%11.94%14.78%20.30%Beats 10%190 / 211
Equity / Assets8.75%9.41%11.06%12.94%Beats 14%181 / 211
Liquidity & Funding
Loans / Deposits66.93%45.39%66.56%82.03%51st pctl102 / 208
Loans / Assets58.76%39.13%56.90%70.46%53rd pctl99 / 211
Brokered Deposits / Depositsn/aNot reported for this institution