PackageTrendsPeer
Letter portraitLegal landscape

Texas National Bank of Jacksonville

Jacksonville, TX · Cert 26181 · East Texas Financial Corp.

National charter · OCC · 9 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

8

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

Texas National Bank of Jacksonville

Jacksonville, TX · Cert 26181 · East Texas Financial Corp.

National charter · OCC · 1 affiliate bank · 9 branches (20 in holding)

Q2 2026

$852.4MAssets
$654.0MLoans
$765.7MDeposits
$84.1MEquity
Loan mix
83%RE $558.9M13%C&I $83.9M4%Consumer $27.2MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $612.9M20%Noninterest $152.8MQ2 2025Q2 2026

NIM

6.00%Q2 ’246.43%Q2 ’256.28%Q2 ’26+22%+7%

Non-interest income vs. expense

2.22%Q2 ’242.28%Q2 ’253.79%Q2 ’26+4%+74%

Market Position · Tyler, TX · 2026 SOD (annual) · 3.8% share · #8 of 28 inst. · $0.3B of $9.0B

3.8% Smith
18.1% Cherokee
2.6% Gregg
8.7% Harrison

Executive Summary

  • Earnings: ROA of -0.34%, down 143 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 1.03% of loans (+82 bps YoY), with net charge-offs at 0.46%.
  • Capital: tier 1 leverage ratio of 10.08%, down 89 bps from a year ago.
  • Funding: loans stand at 85.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.34%-143 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+25 bps YoY

Efficiency Ratio (YTD, annualized)

90.24%+3,253 bps YoY

Tier 1 Leverage Ratio

10.08%-89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.10%1.11%-2.21%-0.34%-143 bps
Return on Equity10.53%10.62%10.53%-21.41%-3.32%-1,385 bps
Net Interest Margin3.72%3.75%3.83%4.11%3.97%+25 bps
Efficiency Ratio57.71%56.25%55.77%128.08%90.24%+3,253 bps
Non-Interest Burden2.05%2.00%2.03%5.34%3.56%+151 bps
Growth
Asset Growth (YoY)0.84%2.21%-1.95%2.12%0.52%-32 bps
Loan Growth (YoY)-2.46%-0.84%-4.59%-3.21%-4.81%-235 bps
Deposit Growth (YoY)0.22%1.50%-3.30%3.78%1.81%+159 bps
Asset Quality
Nonperforming Loans / Loans0.20%1.82%1.69%0.67%1.03%+82 bps
Net Charge-Offs / Loans0.34%0.23%0.26%0.69%0.46%+12 bps
Allowance / Loans1.22%1.35%1.50%1.81%1.85%+63 bps
Allowance Coverage of NPLs6.0x0.7x0.9x2.7x1.8x-4.2x
Capital
Tier 1 Leverage Ratio10.97%10.96%11.10%9.90%10.08%-89 bps
Total Risk-Based Capital17.43%17.61%18.04%15.96%16.57%-87 bps
Equity / Assets10.63%10.54%11.16%9.46%9.86%-77 bps
Liquidity & Funding
Loans / Deposits91.35%89.14%90.98%87.37%85.41%-594 bps
Liquid Assets / Assets13.86%16.00%14.84%15.68%18.21%+434 bps
CRE / Total Capitaln/a305%302%355%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

Texas National Bank of Jacksonville

Jacksonville, TX · Cert 26181 · Peer group: banks under $1B in assets in TX (n=208-211) · East Texas Financial Corp.

National charter · OCC · 1 affiliate bank · 9 branches (20 in holding)

Q2 2026

$852.4MAssets
$654.0MLoans
$765.7MDeposits
$84.1MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 61% of banks under $1B in assets in TX (rank 83 of 211).
  • Widest gap: return on equity trails 97% of banks under $1B in assets in TX (rank 204 of 211).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.34%

Rank 202 of 211

Net Interest Margin

3.97%

Rank 94 of 211

Efficiency Ratio

90.24%

Rank 196 of 211

Equity / Assets

9.86%

Rank 144 of 211

Non-interest income vs. expense

$2.0M$32.3MINCOMEEXPENSE
Unfavorable gap of $30.3M · efficiency ratio beats 8% of banks under $1B in assets in TX
Bank 90.24%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.34%0.87%1.20%1.65%Beats 4%202 / 211
Return on Equity-3.40%7.52%11.67%14.58%Beats 3%204 / 211
Net Interest Margin3.97%3.28%3.82%4.31%Beats 55%94 / 211
Efficiency Ratio90.24%53.01%64.18%73.65%Beats 8%196 / 211
Asset Quality
Nonperforming Loans / Loans1.03%0.01%0.30%1.10%Beats 27%153 / 208
Net Charge-Offs / Loans0.23%0.00%0.01%0.06%Beats 7%195 / 208
Capital
Tier 1 Capital Ratio15.31%11.72%14.45%19.57%Beats 57%91 / 211
Total Risk-Based Capital Ratio16.57%11.94%14.78%20.30%Beats 61%83 / 211
Equity / Assets9.86%9.41%11.06%12.94%Beats 32%144 / 211
Liquidity & Funding
Loans / Deposits85.41%45.39%66.56%82.03%81st pctl39 / 208
Loans / Assets76.72%39.13%56.90%70.46%88th pctl26 / 211
Brokered Deposits / Depositsn/aNot reported for this institution