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Brazos National Bank

Richwood, TX · Cert 24038 · Gulfport Bancshares of de 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 the Houston-Pasadena-The Woodlands, TX area3

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 the Houston-Pasadena-The Woodlands, TX area (n=21). 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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

14

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

Brazos National Bank

Richwood, TX · Cert 24038 · Gulfport Bancshares of de Inc.

National charter · OCC · 1 branch

Q2 2026

$27.6MAssets
$15.4MLoans
$11.1MDeposits
$16.4MEquity
Loan mix
99%RE $23.2M0%C&I $0.0M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
25%Interest-bearing $2.8M75%Noninterest $8.3MQ2 2025Q2 2026

NIM

6.41%Q2 ’246.12%Q2 ’256.25%Q2 ’26-4%+3%

Non-interest income vs. expense

13.76%Q2 ’2415.03%Q2 ’2516.97%Q2 ’26-6%+0%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #101 of 107 inst. · $0.0B of $360.4B

Executive Summary

  • Earnings: ROA of 1.36%, up 31 bps year over year; NIM at 6.50%.
  • Asset quality: problem loans at 5.07% of loans (+507 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 56.08%, up 719 bps from a year ago.
  • Funding: loans stand at 139.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.36%+31 bps YoY

Net Interest Margin (YTD, annualized)

6.50%+16 bps YoY

Efficiency Ratio (YTD, annualized)

93.18%+17 bps YoY

Tier 1 Leverage Ratio

56.08%+719 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.99%2.30%0.76%1.36%+31 bps
Return on Equity2.05%3.89%4.49%1.48%2.54%+49 bps
Net Interest Margin6.34%6.32%6.51%6.55%6.50%+16 bps
Efficiency Ratio93.01%91.95%89.67%95.11%93.18%+17 bps
Non-Interest Burden4.96%4.75%4.50%5.52%4.98%+2 bps
Growth
Asset Growth (YoY)-0.41%6.10%9.29%5.31%-13.57%-1,316 bps
Loan Growth (YoY)12.20%10.69%10.08%13.45%-35.84%-4,804 bps
Deposit Growth (YoY)-5.10%-6.33%-9.46%10.07%-0.97%+412 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%5.07%+507 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.06%0.45%0.40%0.36%0.36%-71 bps
Allowance Coverage of NPLsn/an/an/an/a0.1xn/a
Capital
Tier 1 Leverage Ratio48.89%48.10%49.57%50.84%56.08%+719 bps
Total Risk-Based Capital79.17%84.29%87.59%50.84%99.49%+2,031 bps
Equity / Assets49.00%50.17%51.95%50.58%59.42%+1,042 bps
Liquidity & Funding
Loans / Deposits215%210%217%216%139.32%-7,571 bps
Liquid Assets / Assets9.37%13.65%14.72%12.08%26.37%+1,699 bps
CRE / Total Capitaln/a3.28%2.35%4.25%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

Brazos National Bank

Richwood, TX · Cert 24038 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Gulfport Bancshares of de Inc.

National charter · OCC · 1 branch

Q2 2026

$27.6MAssets
$15.4MLoans
$11.1MDeposits
$16.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 21).
  • Widest gap: return on equity trails 95% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 20 of 21).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.50%

Rank 5 of 21

Net Interest Margin

6.50%

Rank 1 of 21

Efficiency Ratio

93.18%

Rank 19 of 21

Equity / Assets

59.42%

Rank 1 of 21

Non-interest income vs. expense

$3.4M$4.8MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 14% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 93.18%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.50%0.77%1.16%1.46%Beats 76%5 / 21
Return on Equity2.52%6.66%8.42%15.66%Beats 5%20 / 21
Net Interest Margin6.50%3.50%3.97%4.41%Beats 95%1 / 21
Efficiency Ratio93.18%59.33%68.18%79.00%Beats 14%19 / 21
Asset Quality
Nonperforming Loans / Loans5.07%0.01%0.37%1.25%Beats 10%20 / 21
Net Charge-Offs / Loans0.00%n/a0.01%0.05%Beats 100%9 / 21
Capital
Tier 1 Capital Ratio99.13%12.65%15.76%18.38%Beats 95%1 / 21
Total Risk-Based Capital Ratio99.49%12.65%16.68%19.63%Beats 95%1 / 21
Equity / Assets59.42%9.08%11.30%15.80%Beats 95%1 / 21
Liquidity & Funding
Loans / Deposits139.32%64.96%78.30%90.30%95th pctl1 / 21
Loans / Assets55.83%55.83%65.86%74.20%24th pctl16 / 21
Brokered Deposits / Depositsn/aNot reported for this institution