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Community Bank

Longview, TX · Cert 25752 · East Texas Bcorp Inc.

State charter, non-member · FDIC · 6 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

93

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

Community Bank

Longview, TX · Cert 25752 · East Texas Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$315.5MAssets
$249.0MLoans
$277.8MDeposits
$37.3MEquity
Loan mix
86%RE $208.4M12%C&I $29.0M2%Consumer $5.5MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $177.2M36%Noninterest $100.6MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.40%Q2 ’255.39%Q2 ’26+2%+3%

Non-interest income vs. expense

1.69%Q2 ’241.82%Q2 ’251.88%Q2 ’26+1%+1%

Market Position · Longview, TX · 2026 SOD (annual) · 2.7% share · #11 of 25 inst. · $0.2B of $8.0B

16.0% Harrison
17.9% Morris
0.8% Gregg
2.0% Cass

Executive Summary

  • Earnings: ROA of 2.29%, up 13 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.95%, up 21 bps from a year ago.
  • Funding: loans stand at 89.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.29%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+13 bps YoY

Efficiency Ratio (YTD, annualized)

39.38%-30 bps YoY

Tier 1 Leverage Ratio

11.95%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.16%2.17%2.23%2.14%2.29%+13 bps
Return on Equity19.20%18.95%19.62%18.54%19.68%+48 bps
Net Interest Margin4.18%4.27%4.24%4.35%4.31%+13 bps
Efficiency Ratio39.68%39.91%39.54%40.70%39.38%-30 bps
Non-Interest Burden1.40%1.47%1.39%1.58%1.42%+2 bps
Growth
Asset Growth (YoY)2.19%-2.26%3.50%2.01%6.09%+390 bps
Loan Growth (YoY)2.67%0.79%-0.34%0.71%2.61%-6 bps
Deposit Growth (YoY)3.74%2.19%4.78%1.29%5.85%+211 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.02%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.01%-0.03%-0.01%-1 bps
Allowance / Loans1.08%1.10%1.06%1.09%1.06%-2 bps
Allowance Coverage of NPLsn/an/a48.6xn/an/an/an/a
Capital
Tier 1 Leverage Ratio11.74%12.00%11.53%12.10%11.95%+21 bps
Total Risk-Based Capital11.74%12.00%11.53%12.10%11.95%+21 bps
Equity / Assets11.64%12.14%11.07%12.06%11.83%+19 bps
Liquidity & Funding
Loans / Deposits92.46%93.75%90.24%91.83%89.63%-283 bps
Liquid Assets / Assets16.50%15.72%17.95%17.20%18.74%+224 bps
CRE / Total Capitaln/a224%227%222%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

Community Bank

Longview, TX · Cert 25752 · Peer group: banks under $1B in assets in TX (n=208-211) · East Texas Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$315.5MAssets
$249.0MLoans
$277.8MDeposits
$37.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets in TX (rank 158 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.25%

Rank 10 of 211

Net Interest Margin

4.31%

Rank 52 of 211

Efficiency Ratio

39.38%

Rank 15 of 211

Equity / Assets

11.83%

Rank 87 of 211

Non-interest income vs. expense

$1.4M$5.9MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 93% of banks under $1B in assets in TX
Bank 39.38%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.25%0.87%1.20%1.65%Beats 95%10 / 211
Return on Equity18.99%7.52%11.67%14.58%Beats 93%15 / 211
Net Interest Margin4.31%3.28%3.82%4.31%Beats 75%52 / 211
Efficiency Ratio39.38%53.01%64.18%73.65%Beats 93%15 / 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 70%65 / 208
Capital
Tier 1 Capital Ratio11.95%11.72%14.45%19.57%Beats 26%157 / 211
Total Risk-Based Capital Ratio11.95%11.94%14.78%20.30%Beats 25%158 / 211
Equity / Assets11.83%9.41%11.06%12.94%Beats 59%87 / 211
Liquidity & Funding
Loans / Deposits89.63%45.39%66.56%82.03%89th pctl23 / 208
Loans / Assets78.92%39.13%56.90%70.46%92nd pctl17 / 211
Brokered Deposits / Depositsn/aNot reported for this institution