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State Bank of Texas

Irving, TX · Cert 27074 · SBT Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area3

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 $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

92

Q2 2024Q2 2026peer median (50)

Liquidity

11

Q2 2024Q2 2026peer median

Efficiency

95

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

State Bank of Texas

Irving, TX · Cert 27074 · SBT Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$2.6BAssets
$2.1BLoans
$2.1BDeposits
$425.0MEquity
Loan mix
99%RE $2.2B1%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $2.0B5%Noninterest $0.1BQ2 2025Q2 2026

NIM

9.41%Q2 ’248.52%Q2 ’258.13%Q2 ’26-7%+3%

Non-interest income vs. expense

0.97%Q2 ’241.03%Q2 ’251.11%Q2 ’26+26%+22%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #31 of 166 inst. · $1.6B of $732.8B

0.5% Dallas
0.1% Cook
0.1% Harris

Executive Summary

  • Earnings: ROA of 3.33%, up 14 bps year over year; NIM at 5.02%.
  • Asset quality: problem loans at 2.16% of loans (-28 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.71%, up 112 bps from a year ago.
  • Funding: loans stand at 97.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.33%+14 bps YoY

Net Interest Margin (YTD, annualized)

5.02%+14 bps YoY

Efficiency Ratio (YTD, annualized)

21.41%+141 bps YoY

Tier 1 Leverage Ratio

15.71%+112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.19%3.26%3.14%3.10%3.33%+14 bps
Return on Equity22.82%22.74%21.81%21.21%21.96%-86 bps
Net Interest Margin4.88%4.91%5.00%4.79%5.02%+14 bps
Efficiency Ratio20.00%19.52%20.09%20.65%21.41%+141 bps
Non-Interest Burden0.78%0.76%0.89%0.84%0.95%+17 bps
Growth
Asset Growth (YoY)1.33%0.04%-0.32%-0.92%-6.61%-794 bps
Loan Growth (YoY)1.27%-1.46%-1.26%-2.24%-6.99%-826 bps
Deposit Growth (YoY)-1.10%-0.41%-1.81%-4.75%-6.78%-568 bps
Asset Quality
Nonperforming Loans / Loans2.44%2.39%2.20%1.24%2.16%-28 bps
Net Charge-Offs / Loans0.21%0.25%0.29%0.01%0.00%-21 bps
Allowance / Loans1.07%1.03%1.06%1.07%1.02%-5 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.9x0.5x0.0x
Capital
Tier 1 Leverage Ratio14.59%15.40%14.69%14.73%15.71%+112 bps
Total Risk-Based Capital14.59%15.40%14.69%14.73%15.71%+112 bps
Equity / Assets14.39%15.33%14.69%14.52%16.43%+205 bps
Liquidity & Funding
Loans / Deposits98.02%98.64%101.00%100.35%97.80%-22 bps
Liquid Assets / Assets8.56%9.25%8.09%7.78%7.58%-98 bps
CRE / Total Capitaln/a518%548%545%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

State Bank of Texas

Irving, TX · Cert 27074 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · SBT Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$2.6BAssets
$2.1BLoans
$2.1BDeposits
$425.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 95% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 1 of 20).
  • Widest gap: nonperforming loans / loans trails 85% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 18 of 20).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

3.49%

Rank 2 of 20

Net Interest Margin

5.02%

Rank 2 of 20

Efficiency Ratio

21.41%

Rank 2 of 20

Equity / Assets

16.43%

Rank 2 of 20

Non-interest income vs. expense

$4.2M$30.2MINCOMEEXPENSE
Unfavorable gap of $26.0M · efficiency ratio beats 95% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 21.41%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.49%0.68%1.15%1.86%Beats 90%2 / 20
Return on Equity21.24%7.45%10.95%14.25%Beats 95%1 / 20
Net Interest Margin5.02%2.87%3.58%4.28%Beats 90%2 / 20
Efficiency Ratio21.41%52.33%65.48%74.79%Beats 95%2 / 20
Asset Quality
Nonperforming Loans / Loans2.16%0.18%0.42%1.54%Beats 15%18 / 20
Net Charge-Offs / Loans0.00%0.00%0.02%0.14%Beats 80%5 / 20
Capital
Tier 1 Capital Ratio15.71%13.35%15.71%17.39%Beats 50%10 / 20
Total Risk-Based Capital Ratio15.71%14.55%16.02%18.64%Beats 45%11 / 20
Equity / Assets16.43%9.74%11.64%13.21%Beats 90%2 / 20
Liquidity & Funding
Loans / Deposits97.80%72.63%81.14%96.60%80th pctl4 / 20
Loans / Assets80.98%60.26%69.54%79.68%80th pctl4 / 20
Brokered Deposits / Depositsn/aNot reported for this institution