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First National Bank of Aspermont, The

Aspermont, TX · Cert 3079 · Aspermont Bankshares Inc.

National charter · OCC · 1 branch

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

1

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

24

Q2 2024Q2 2026peer median

Efficiency

51

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 2026-10-10

First National Bank of Aspermont, The

Aspermont, TX · Cert 3079 · Aspermont Bankshares Inc.

National charter · OCC · 1 branch

Q2 2026

$133.9MAssets
$49.8MLoans
$128.0MDeposits
$5.3MEquity
Loan mix
84%RE $34.4M10%C&I $4.0M6%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
56%Interest-bearing $71.4M44%Noninterest $56.6MQ2 2025Q2 2026

NIM

3.62%Q2 ’243.82%Q2 ’254.10%Q2 ’26+6%+18%

Non-interest income vs. expense

2.19%Q2 ’242.24%Q2 ’252.11%Q2 ’26+3%-8%

Executive Summary

  • Earnings: ROA of 0.85%, up 39 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.29% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.07%, down 8 bps from a year ago.
  • Funding: loans stand at 38.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%+39 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+42 bps YoY

Efficiency Ratio (YTD, annualized)

64.02%-1,397 bps YoY

Tier 1 Leverage Ratio

9.07%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.53%0.62%0.85%0.85%+39 bps
Return on Equity26.15%23.72%23.91%21.85%21.72%-443 bps
Net Interest Margin2.37%2.38%2.39%2.72%2.79%+42 bps
Efficiency Ratio77.99%74.86%71.84%64.38%64.02%-1,397 bps
Non-Interest Burden1.73%1.66%1.58%1.56%1.59%-14 bps
Growth
Asset Growth (YoY)9.72%12.29%18.50%7.35%6.50%-322 bps
Loan Growth (YoY)28.64%16.31%17.38%23.89%16.72%-1,192 bps
Deposit Growth (YoY)9.17%12.17%15.33%5.25%4.45%-472 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.43%0.36%0.32%0.29%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.27%1.29%1.28%1.23%1.21%-6 bps
Allowance Coverage of NPLs4.5x3.0x3.6x3.8x4.2x-0.3x
Capital
Tier 1 Leverage Ratio9.15%8.80%8.75%8.84%9.07%-8 bps
Total Risk-Based Capital9.15%8.80%8.75%16.78%9.07%-8 bps
Equity / Assets2.11%3.51%3.92%3.89%3.98%+187 bps
Liquidity & Funding
Loans / Deposits34.85%33.90%33.98%36.49%38.94%+409 bps
Liquid Assets / Assets10.60%14.08%16.02%13.74%11.90%+130 bps
CRE / Total Capitaln/a69.17%62.79%78.54%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 2026-10-10

First National Bank of Aspermont, The

Aspermont, TX · Cert 3079 · Peer group: banks under $1B in assets in TX (n=208-211) · Aspermont Bankshares Inc.

National charter · OCC · 1 branch

Q2 2026

$133.9MAssets
$49.8MLoans
$128.0MDeposits
$5.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in TX (rank 210 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.87%

Rank 160 of 211

Net Interest Margin

2.79%

Rank 188 of 211

Efficiency Ratio

64.02%

Rank 105 of 211

Equity / Assets

3.98%

Rank 210 of 211

Non-interest income vs. expense

$0.7M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 51% of banks under $1B in assets in TX
Bank 64.02%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.87%1.20%1.65%Beats 24%160 / 211
Return on Equity21.73%7.52%11.67%14.58%Beats 96%8 / 211
Net Interest Margin2.79%3.28%3.82%4.31%Beats 11%188 / 211
Efficiency Ratio64.02%53.01%64.18%73.65%Beats 51%105 / 211
Asset Quality
Nonperforming Loans / Loans0.29%0.01%0.30%1.10%Beats 50%104 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio9.07%11.72%14.45%19.57%Beats 1%209 / 211
Total Risk-Based Capital Ratio9.07%11.94%14.78%20.30%Beats 1%209 / 211
Equity / Assets3.98%9.41%11.06%12.94%Beats 0%210 / 211
Liquidity & Funding
Loans / Deposits38.94%45.39%66.56%82.03%15th pctl177 / 208
Loans / Assets37.23%39.13%56.90%70.46%22nd pctl164 / 211
Brokered Deposits / Depositsn/aNot reported for this institution