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Llano National Bank

Llano, TX · Cert 24305 · Hill Country Bancshares Inc.

National charter · OCC · 5 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

32

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

Llano National Bank

Llano, TX · Cert 24305 · Hill Country Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$301.1MAssets
$173.6MLoans
$265.9MDeposits
$31.6MEquity
Loan mix
94%RE $160.3M3%C&I $5.8M2%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $177.5M33%Noninterest $88.5MQ2 2025Q2 2026

NIM

4.57%Q2 ’244.81%Q2 ’254.93%Q2 ’26+7%+6%

Non-interest income vs. expense

2.58%Q2 ’242.59%Q2 ’252.80%Q2 ’26+1%+10%

Executive Summary

  • Earnings: ROA of 1.02%, down 4 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.45% of loans (-8 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 13.11%, up 66 bps from a year ago.
  • Funding: loans stand at 65.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+21 bps YoY

Efficiency Ratio (YTD, annualized)

70.13%+165 bps YoY

Tier 1 Leverage Ratio

13.11%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.06%1.04%0.96%1.02%-4 bps
Return on Equity12.68%12.16%11.80%9.88%10.26%-242 bps
Net Interest Margin3.36%3.38%3.40%3.42%3.57%+21 bps
Efficiency Ratio68.48%68.80%68.80%69.54%70.13%+165 bps
Non-Interest Burden2.17%2.19%2.21%2.26%2.38%+21 bps
Growth
Asset Growth (YoY)2.43%0.64%10.50%3.82%-0.21%-264 bps
Loan Growth (YoY)5.34%2.31%1.67%2.48%4.03%-131 bps
Deposit Growth (YoY)3.97%2.23%12.26%4.21%-0.88%-485 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.73%0.79%0.43%0.45%-8 bps
Net Charge-Offs / Loans0.06%0.09%0.10%0.43%0.19%+14 bps
Allowance / Loans2.29%2.25%2.23%1.89%1.92%-37 bps
Allowance Coverage of NPLs4.3x3.1x2.8x4.4x4.3x0.0x
Capital
Tier 1 Leverage Ratio12.45%12.62%12.67%12.37%13.11%+66 bps
Total Risk-Based Capital12.45%12.62%12.67%12.37%13.11%+66 bps
Equity / Assets8.50%9.73%9.41%9.93%10.50%+200 bps
Liquidity & Funding
Loans / Deposits62.21%63.61%57.86%63.44%65.29%+308 bps
Liquid Assets / Assets5.12%2.90%9.70%5.04%2.76%-236 bps
CRE / Total Capitaln/a163.76%157.97%175.60%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

Llano National Bank

Llano, TX · Cert 24305 · Peer group: banks under $1B in assets in TX (n=208-211) · Hill Country Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$301.1MAssets
$173.6MLoans
$265.9MDeposits
$31.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 42% of banks under $1B in assets in TX (rank 121 of 208).
  • Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets in TX (rank 172 of 208).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

1.05%

Rank 125 of 211

Net Interest Margin

3.57%

Rank 128 of 211

Efficiency Ratio

70.13%

Rank 145 of 211

Equity / Assets

10.50%

Rank 126 of 211

Non-interest income vs. expense

$1.3M$8.5MINCOMEEXPENSE
Unfavorable gap of $7.2M · efficiency ratio beats 32% of banks under $1B in assets in TX
Bank 70.13%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.87%1.20%1.65%Beats 41%125 / 211
Return on Equity10.02%7.52%11.67%14.58%Beats 40%127 / 211
Net Interest Margin3.57%3.28%3.82%4.31%Beats 39%128 / 211
Efficiency Ratio70.13%53.01%64.18%73.65%Beats 32%145 / 211
Asset Quality
Nonperforming Loans / Loans0.45%0.01%0.30%1.10%Beats 42%121 / 208
Net Charge-Offs / Loans0.11%0.00%0.01%0.06%Beats 18%172 / 208
Capital
Tier 1 Capital Ratio13.11%11.72%14.45%19.57%Beats 42%123 / 211
Total Risk-Based Capital Ratio13.11%11.94%14.78%20.30%Beats 40%126 / 211
Equity / Assets10.50%9.41%11.06%12.94%Beats 40%126 / 211
Liquidity & Funding
Loans / Deposits65.29%45.39%66.56%82.03%48th pctl109 / 208
Loans / Assets57.67%39.13%56.90%70.46%51st pctl104 / 211
Brokered Deposits / Depositsn/aNot reported for this institution