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Letter portraitLegal landscapeQuarterYTD

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 $5.5MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $177.2M36%Noninterest $100.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.12%2.10%2.03%2.16%2.17%2.23%2.14%2.29%+13 bps
Return on Equity19.79%19.60%18.39%19.20%18.95%19.62%18.54%19.68%+48 bps
Net Interest Margin4.27%4.26%4.12%4.18%4.27%4.24%4.35%4.31%+13 bps
Efficiency Ratio39.38%40.08%40.72%39.68%39.91%39.54%40.70%39.38%-30 bps
Non-Interest Burden1.49%1.52%1.51%1.40%1.47%1.39%1.58%1.42%+2 bps
Growth
Asset Growth (YoY)5.26%1.00%-3.63%2.19%-2.26%3.50%2.01%6.09%+390 bps
Loan Growth (YoY)4.45%5.29%2.60%2.67%0.79%-0.34%0.71%2.61%-6 bps
Deposit Growth (YoY)-0.62%-1.32%-2.94%3.74%2.19%4.78%1.29%5.85%+211 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.02%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.01%-0.03%-0.01%-1 bps
Allowance / Loans1.11%1.05%1.08%1.08%1.10%1.06%1.09%1.06%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/a48.6xn/an/an/an/a
Capital
Tier 1 Leverage Ratio11.43%11.05%11.48%11.74%12.00%11.53%12.10%11.95%+21 bps
Total Risk-Based Capital11.43%11.05%11.48%11.74%12.00%11.53%12.10%11.95%+21 bps
Equity / Assets11.17%10.66%11.45%11.64%12.14%11.07%12.06%11.83%+19 bps
Liquidity & Funding
Loans / Deposits95.05%94.87%92.37%92.46%93.75%90.24%91.83%89.63%-283 bps
Liquid Assets / Assets18.43%14.91%16.27%16.50%15.72%17.95%17.20%18.74%+224 bps
CRE / Total Capitaln/an/an/an/a224%227%222%n/an/a