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Boc Bank

McLean, TX · Cert 25328

State charter, Fed member · FED · 4 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

69

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

Boc Bank

McLean, TX · Cert 25328

State charter, Fed member · FED · 4 branches

Q2 2026

$203.4MAssets
$151.8MLoans
$176.7MDeposits
$25.8MEquity
Loan mix
68%RE $101.2M32%C&I $46.8M0%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $140.4M21%Noninterest $36.4MQ3 2024Q2 2026

Market Position · Amarillo, TX · 2026 SOD (annual) · 1.0% share · #11 of 21 inst. · $0.1B of $11.7B

1.6% Potter
100.0% Roberts
6.0% Wheeler
2.8% Gray

Executive Summary

  • Earnings: ROA of 1.56%, up 2 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.41%, up 113 bps from a year ago.
  • Funding: loans stand at 85.88% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.56%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+29 bps YoY

Efficiency Ratio (YTD, annualized)

56.08%+443 bps YoY

Tier 1 Leverage Ratio

12.41%+113 bps YoY

NIM

7.15%Q2 ’246.62%Q2 ’256.61%Q2 ’26+19%+7%

Non-interest income vs. expense

2.27%Q2 ’242.05%Q2 ’252.41%Q2 ’26-10%+16%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.97%1.34%1.54%1.55%1.11%1.71%1.56%+2 bps
Return on Equity8.03%10.22%12.69%13.93%13.84%9.78%14.61%13.01%-92 bps
Net Interest Margin3.20%3.53%3.75%3.93%4.21%3.79%3.48%4.22%+29 bps
Efficiency Ratio64.60%59.53%54.39%51.65%51.03%64.34%52.34%56.08%+443 bps
Non-Interest Burden2.06%2.13%2.05%2.01%2.13%2.43%1.79%2.33%+32 bps
Growth
Asset Growth (YoY)-9.90%-16.87%-3.75%-2.73%-2.51%0.37%1.42%4.00%+673 bps
Loan Growth (YoY)33.40%33.27%18.67%10.57%7.18%-0.62%0.59%2.82%-774 bps
Deposit Growth (YoY)0.26%-9.71%-5.28%0.85%-4.75%-0.79%0.36%3.57%+271 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.51%1.40%1.53%1.53%1.54%1.50%1.52%1.49%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.04%10.06%10.40%11.28%12.46%11.07%10.08%12.41%+113 bps
Total Risk-Based Capital15.84%15.53%16.14%16.91%19.13%16.77%15.66%17.27%+36 bps
Equity / Assets9.85%10.30%10.77%12.22%11.55%11.81%11.59%12.67%+45 bps
Liquidity & Funding
Loans / Deposits69.93%84.41%78.58%86.50%78.68%84.55%78.76%85.88%-62 bps
Liquid Assets / Assets20.56%8.54%14.27%6.92%17.94%11.30%14.70%7.13%+21 bps
CRE / Total Capitaln/an/an/an/a179.75%202%197.69%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

Boc Bank

McLean, TX · Cert 25328 · Peer group: banks under $1B in assets in TX (n=208-211)

State charter, Fed member · FED · 4 branches

Q2 2026

$203.4MAssets
$151.8MLoans
$176.7MDeposits
$25.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: tier 1 capital ratio trails 40% of banks under $1B in assets in TX (rank 84 of 211).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.61%

Rank 56 of 211

Net Interest Margin

4.22%

Rank 67 of 211

Efficiency Ratio

56.08%

Rank 67 of 211

Equity / Assets

12.67%

Rank 60 of 211

Non-interest income vs. expense

$0.2M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 69% of banks under $1B in assets in TX
Bank 56.08%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.61%0.87%1.20%1.65%Beats 73%56 / 211
Return on Equity12.74%7.52%11.67%14.58%Beats 60%85 / 211
Net Interest Margin4.22%3.28%3.82%4.31%Beats 68%67 / 211
Efficiency Ratio56.08%53.01%64.18%73.65%Beats 69%67 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio16.02%11.72%14.45%19.57%Beats 60%84 / 211
Total Risk-Based Capital Ratio17.27%11.94%14.78%20.30%Beats 63%78 / 211
Equity / Assets12.67%9.41%11.06%12.94%Beats 72%60 / 211
Liquidity & Funding
Loans / Deposits85.88%45.39%66.56%82.03%83rd pctl36 / 208
Loans / Assets74.64%39.13%56.90%70.46%86th pctl29 / 211
Brokered Deposits / Depositsn/aNot reported for this institution