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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 $10.5MQ3 2024Q2 2026
Deposit mix
52%Interest-bearing $60.2M48%Noninterest $56.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.61%, down 4 bps year over year; NIM at 5.62%.
  • Asset quality: problem loans at 0.10% of loans (-8 bps YoY), with net recoveries of 0.01%.
  • 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.

Return on Assets (quarter, annualized)

1.61%-4 bps YoY

Net Interest Margin (quarter, annualized)

5.62%-34 bps YoY

Efficiency Ratio (quarter, annualized)

66.48%+315 bps YoY

Tier 1 Leverage Ratio

12.41%+50 bps YoY

NIM

6.93%Q2 ’246.81%Q2 ’256.28%Q2 ’26-1%-6%

Non-interest income vs. expense

3.67%Q2 ’244.10%Q2 ’254.29%Q2 ’26+23%-4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.38%2.12%1.92%1.65%1.84%1.43%1.87%1.61%-4 bps
Return on Equity20.84%18.41%16.79%14.18%15.60%11.97%15.15%12.84%-134 bps
Net Interest Margin6.17%6.01%5.64%5.96%5.87%5.65%5.54%5.62%-34 bps
Efficiency Ratio53.98%59.00%59.30%63.33%61.98%69.69%60.52%66.48%+315 bps
Non-Interest Burden2.96%3.25%3.05%3.59%3.40%3.70%3.10%3.45%-13 bps
Growth
Asset Growth (YoY)-2.55%-1.09%6.39%3.71%6.89%0.81%-1.84%1.28%-243 bps
Loan Growth (YoY)4.70%4.35%1.87%4.95%4.32%5.46%8.49%7.05%+210 bps
Deposit Growth (YoY)-4.04%-2.33%6.02%3.10%6.86%-0.08%-3.04%0.40%-270 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.16%0.18%0.18%0.17%0.16%0.13%0.10%-8 bps
Net Charge-Offs / Loans0.13%0.18%0.34%0.47%-0.22%0.05%0.43%-0.01%-48 bps
Allowance / Loans1.97%1.92%1.93%1.86%1.92%1.90%1.79%1.86%+1 bps
Allowance Coverage of NPLs20.5x12.4x10.7x10.3x11.4x11.8x14.1x18.0x+7.7x
Capital
Tier 1 Leverage Ratio11.62%11.62%11.57%11.92%11.89%12.27%12.35%12.41%+50 bps
Total Risk-Based Capital17.35%17.51%16.88%18.10%18.14%17.94%17.90%17.96%-14 bps
Equity / Assets11.56%11.45%11.40%11.89%11.72%12.23%12.47%12.56%+67 bps
Liquidity & Funding
Loans / Deposits78.11%76.58%73.38%77.48%76.25%80.82%82.11%82.62%+514 bps
Liquid Assets / Assets26.13%27.57%30.05%27.16%26.27%22.71%20.07%20.45%-671 bps
CRE / Total Capitaln/an/an/an/a49.90%48.41%51.04%n/an/a