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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