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Dalhart Federal Savings & Loan Association, SSB

Dalhart, TX · Cert 29208 · Dalhart Fed Mutual Holding Co.

SI · FDIC · 2 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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

5

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

Dalhart Federal Savings & Loan Association, SSB

Dalhart, TX · Cert 29208 · Dalhart Fed Mutual Holding Co.

SI · FDIC · 2 branches

Q2 2026

$126.3MAssets
$78.9MLoans
$95.5MDeposits
$12.6MEquity
Loan mix
98%RE $77.9M1%C&I $0.5M1%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $78.2M18%Noninterest $17.3MQ2 2025Q2 2026

NIM

5.02%Q2 ’244.96%Q2 ’255.11%Q2 ’26+5%+19%

Non-interest income vs. expense

2.66%Q2 ’242.76%Q2 ’253.14%Q2 ’26+0%+9%

Executive Summary

  • Earnings: ROA of 0.04%, up 28 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.16% of loans (-26 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.42%, up 58 bps from a year ago.
  • Funding: loans stand at 82.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.04%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+46 bps YoY

Efficiency Ratio (YTD, annualized)

97.09%-804 bps YoY

Tier 1 Leverage Ratio

11.42%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.25%-0.28%-0.23%-0.30%0.04%+28 bps
Return on Equity-2.63%-2.95%-2.40%-3.03%0.37%+300 bps
Net Interest Margin2.37%2.46%2.58%2.77%2.83%+46 bps
Efficiency Ratio105.13%104.82%104.14%104.80%97.09%-804 bps
Non-Interest Burden2.50%2.59%2.69%2.92%2.73%+23 bps
Growth
Asset Growth (YoY)-3.90%-9.21%-5.03%-5.88%-6.40%-249 bps
Loan Growth (YoY)-1.63%-2.35%-0.15%-1.90%-6.39%-475 bps
Deposit Growth (YoY)4.34%-0.45%3.01%2.18%0.75%-358 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.49%0.58%0.65%0.16%-26 bps
Net Charge-Offs / Loans0.00%0.01%0.32%0.04%-0.01%-1 bps
Allowance / Loans0.49%0.59%0.27%0.32%0.33%-16 bps
Allowance Coverage of NPLs1.2x1.2x0.5x0.5x2.0x+0.9x
Capital
Tier 1 Leverage Ratio10.84%10.95%11.17%11.39%11.42%+58 bps
Total Risk-Based Capital25.09%25.76%25.36%25.78%26.60%+151 bps
Equity / Assets9.15%9.65%9.72%9.83%9.97%+82 bps
Liquidity & Funding
Loans / Deposits88.92%85.99%84.58%85.01%82.62%-630 bps
Liquid Assets / Assets27.01%26.07%25.82%25.12%26.34%-67 bps
CRE / Total Capitaln/a61.29%62.22%60.96%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

Dalhart Federal Savings & Loan Association, SSB

Dalhart, TX · Cert 29208 · Peer group: banks under $1B in assets in TX (n=208-211) · Dalhart Fed Mutual Holding Co.

SI · FDIC · 2 branches

Q2 2026

$126.3MAssets
$78.9MLoans
$95.5MDeposits
$12.6MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 86% of banks under $1B in assets in TX (rank 30 of 211).
  • Widest gap: efficiency ratio trails 95% of banks under $1B in assets in TX (rank 201 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.04%

Rank 200 of 211

Net Interest Margin

2.83%

Rank 185 of 211

Efficiency Ratio

97.09%

Rank 201 of 211

Equity / Assets

9.97%

Rank 137 of 211

Non-interest income vs. expense

$0.5M$3.9MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 5% of banks under $1B in assets in TX
Bank 97.09%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.04%0.87%1.20%1.65%Beats 5%200 / 211
Return on Equity0.37%7.52%11.67%14.58%Beats 5%200 / 211
Net Interest Margin2.83%3.28%3.82%4.31%Beats 12%185 / 211
Efficiency Ratio97.09%53.01%64.18%73.65%Beats 5%201 / 211
Asset Quality
Nonperforming Loans / Loans0.16%0.01%0.30%1.10%Beats 59%86 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 56%92 / 208
Capital
Tier 1 Capital Ratio26.12%11.72%14.45%19.57%Beats 86%30 / 211
Total Risk-Based Capital Ratio26.60%11.94%14.78%20.30%Beats 85%32 / 211
Equity / Assets9.97%9.41%11.06%12.94%Beats 35%137 / 211
Liquidity & Funding
Loans / Deposits82.62%45.39%66.56%82.03%76th pctl49 / 208
Loans / Assets62.47%39.13%56.90%70.46%60th pctl85 / 211
Brokered Deposits / Depositsn/aNot reported for this institution