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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

4.61%Q2 ’244.83%Q2 ’254.90%Q2 ’26+8%+6%

Non-interest income vs. expense

2.34%Q2 ’242.59%Q2 ’252.87%Q2 ’26+14%+11%

Executive Summary

  • Earnings: ROA of 1.09%, up 5 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.45% of loans (-8 bps YoY), with net recoveries of 0.04%.
  • 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 (quarter, annualized)

1.09%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.60%+20 bps YoY

Efficiency Ratio (quarter, annualized)

70.69%+291 bps YoY

Tier 1 Leverage Ratio

13.11%+66 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.04%1.03%0.96%1.09%+5 bps
Return on Equity12.29%11.46%10.75%9.88%10.63%-166 bps
Net Interest Margin3.40%3.46%3.53%3.42%3.60%+20 bps
Efficiency Ratio67.78%69.41%68.81%69.54%70.69%+291 bps
Non-Interest Burden2.17%2.27%2.29%2.26%2.41%+24 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 / Loans-0.15%0.17%0.12%0.43%-0.04%+10 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