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First National Bank of Dublin

Dublin, TX · Cert 26228 · Dublin Bancshares Inc.

National charter · OCC · 3 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

66

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

53

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

First National Bank of Dublin

Dublin, TX · Cert 26228 · Dublin Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

$134.2MAssets
$96.5MLoans
$116.9MDeposits
$16.9MEquity
Loan mix
64%RE $43.8M21%C&I $14.2M15%Consumer $10.5MQ2 2025Q2 2026
Deposit mix
52%Interest-bearing $60.2M48%Noninterest $56.7MQ2 2025Q2 2026

NIM

6.93%Q2 ’246.71%Q2 ’256.24%Q2 ’26-4%-5%

Non-interest income vs. expense

3.63%Q2 ’243.96%Q2 ’254.01%Q2 ’26+16%-2%

Executive Summary

  • Earnings: ROA of 1.74%, down 5 bps year over year; NIM at 5.56%.
  • Asset quality: problem loans at 0.10% of loans (-8 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 12.41%, up 50 bps from a year ago.
  • Funding: loans stand at 82.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.74%-5 bps YoY

Net Interest Margin (YTD, annualized)

5.56%-28 bps YoY

Efficiency Ratio (YTD, annualized)

63.57%+225 bps YoY

Tier 1 Leverage Ratio

12.41%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.80%1.72%1.87%1.74%-5 bps
Return on Equity15.47%15.51%14.65%15.15%13.99%-149 bps
Net Interest Margin5.84%5.77%5.81%5.54%5.56%-28 bps
Efficiency Ratio61.32%61.54%63.57%60.52%63.57%+225 bps
Non-Interest Burden3.34%3.31%3.45%3.10%3.27%-7 bps
Growth
Asset Growth (YoY)3.71%6.89%0.81%-1.84%1.28%-243 bps
Loan Growth (YoY)4.95%4.32%5.46%8.49%7.05%+210 bps
Deposit Growth (YoY)3.10%6.86%-0.08%-3.04%0.40%-270 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.17%0.16%0.13%0.10%-8 bps
Net Charge-Offs / Loans0.40%0.19%0.15%0.43%0.21%-19 bps
Allowance / Loans1.86%1.92%1.90%1.79%1.86%+1 bps
Allowance Coverage of NPLs10.3x11.4x11.8x14.1x18.0x+7.7x
Capital
Tier 1 Leverage Ratio11.92%11.89%12.27%12.35%12.41%+50 bps
Total Risk-Based Capital18.10%18.14%17.94%17.90%17.96%-14 bps
Equity / Assets11.89%11.72%12.23%12.47%12.56%+67 bps
Liquidity & Funding
Loans / Deposits77.48%76.25%80.82%82.11%82.62%+514 bps
Liquid Assets / Assets27.16%26.27%22.71%20.07%20.45%-671 bps
CRE / Total Capitaln/a49.90%48.41%51.04%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

First National Bank of Dublin

Dublin, TX · Cert 26228 · Peer group: banks under $1B in assets in TX (n=208-211) · Dublin Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

$134.2MAssets
$96.5MLoans
$116.9MDeposits
$16.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in TX (rank 9 of 211).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in TX (rank 188 of 208).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.73%

Rank 44 of 211

Net Interest Margin

5.56%

Rank 9 of 211

Efficiency Ratio

63.57%

Rank 100 of 211

Equity / Assets

12.56%

Rank 65 of 211

Non-interest income vs. expense

$1.0M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 53% of banks under $1B in assets in TX
Bank 63.57%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.73%0.87%1.20%1.65%Beats 79%44 / 211
Return on Equity13.77%7.52%11.67%14.58%Beats 69%65 / 211
Net Interest Margin5.56%3.28%3.82%4.31%Beats 96%9 / 211
Efficiency Ratio63.57%53.01%64.18%73.65%Beats 53%100 / 211
Asset Quality
Nonperforming Loans / Loans0.10%0.01%0.30%1.10%Beats 62%80 / 208
Net Charge-Offs / Loans0.18%0.00%0.01%0.06%Beats 10%188 / 208
Capital
Tier 1 Capital Ratio16.70%11.72%14.45%19.57%Beats 64%75 / 211
Total Risk-Based Capital Ratio17.96%11.94%14.78%20.30%Beats 66%72 / 211
Equity / Assets12.56%9.41%11.06%12.94%Beats 69%65 / 211
Liquidity & Funding
Loans / Deposits82.62%45.39%66.56%82.03%76th pctl50 / 208
Loans / Assets71.92%39.13%56.90%70.46%79th pctl45 / 211
Brokered Deposits / Depositsn/aNot reported for this institution