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First National Bank of Ballinger, The

Ballinger, TX · Cert 3087 · Texas Country 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

41

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 Ballinger, The

Ballinger, TX · Cert 3087 · Texas Country Bancshares Inc.

National charter · OCC · 1 affiliate bank · 3 branches (4 in holding)

Q2 2026

$275.3MAssets
$154.0MLoans
$244.9MDeposits
$28.0MEquity
Loan mix
82%RE $132.2M17%C&I $27.3M1%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $163.7M33%Noninterest $81.3MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.36%Q2 ’255.33%Q2 ’26+3%+2%

Non-interest income vs. expense

2.62%Q2 ’242.74%Q2 ’252.97%Q2 ’26+5%+11%

Market Position · San Angelo, TX · 2026 SOD (annual) · 4.0% share · #7 of 15 inst. · $0.1B of $3.4B

4.2% Tom Green
28.1% Runnels
0.0% Tarrant

Executive Summary

  • Earnings: ROA of 1.21%, down 6 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.03% of loans (-1 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.52%, down 21 bps from a year ago.
  • Funding: loans stand at 62.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+7 bps YoY

Efficiency Ratio (YTD, annualized)

66.55%+417 bps YoY

Tier 1 Leverage Ratio

10.52%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.28%1.30%1.20%1.21%-6 bps
Return on Equity13.31%13.21%13.31%11.96%11.98%-133 bps
Net Interest Margin3.86%3.85%3.77%3.98%3.92%+7 bps
Efficiency Ratio62.38%62.59%62.14%66.11%66.55%+417 bps
Non-Interest Burden2.19%2.20%2.14%2.45%2.42%+23 bps
Growth
Asset Growth (YoY)1.70%2.90%4.06%7.26%5.56%+386 bps
Loan Growth (YoY)1.83%-3.52%-11.01%1.42%-4.06%-589 bps
Deposit Growth (YoY)0.51%2.33%2.82%6.58%4.80%+429 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.04%0.03%0.03%-1 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.01%0.02%+3 bps
Allowance / Loans1.98%2.01%2.13%1.92%2.07%+9 bps
Allowance Coverage of NPLs48.0x49.2x50.8x63.9x65.0x+16.9x
Capital
Tier 1 Leverage Ratio10.74%10.72%10.64%10.51%10.52%-21 bps
Total Risk-Based Capital17.63%18.11%18.76%17.64%18.81%+118 bps
Equity / Assets9.82%10.04%10.03%10.10%10.18%+36 bps
Liquidity & Funding
Loans / Deposits68.66%66.66%61.16%67.43%62.85%-580 bps
Liquid Assets / Assets12.27%14.97%19.60%15.45%18.69%+642 bps
CRE / Total Capitaln/a330%311%326%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 Ballinger, The

Ballinger, TX · Cert 3087 · Peer group: banks under $1B in assets in TX (n=208-211) · Texas Country Bancshares Inc.

National charter · OCC · 1 affiliate bank · 3 branches (4 in holding)

Q2 2026

$275.3MAssets
$154.0MLoans
$244.9MDeposits
$28.0MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 72% of banks under $1B in assets in TX (rank 60 of 211).
  • Widest gap: equity / assets trails 63% of banks under $1B in assets in TX (rank 133 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.21%

Rank 103 of 211

Net Interest Margin

3.92%

Rank 100 of 211

Efficiency Ratio

66.55%

Rank 126 of 211

Equity / Assets

10.18%

Rank 133 of 211

Non-interest income vs. expense

$1.6M$8.4MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 41% of banks under $1B in assets in TX
Bank 66.55%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.87%1.20%1.65%Beats 51%103 / 211
Return on Equity11.88%7.52%11.67%14.58%Beats 52%101 / 211
Net Interest Margin3.92%3.28%3.82%4.31%Beats 53%100 / 211
Efficiency Ratio66.55%53.01%64.18%73.65%Beats 41%126 / 211
Asset Quality
Nonperforming Loans / Loans0.03%0.01%0.30%1.10%Beats 71%63 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 51%103 / 208
Capital
Tier 1 Capital Ratio17.55%11.72%14.45%19.57%Beats 70%63 / 211
Total Risk-Based Capital Ratio18.81%11.94%14.78%20.30%Beats 72%60 / 211
Equity / Assets10.18%9.41%11.06%12.94%Beats 37%133 / 211
Liquidity & Funding
Loans / Deposits62.85%45.39%66.56%82.03%41st pctl122 / 208
Loans / Assets55.93%39.13%56.90%70.46%47th pctl112 / 211
Brokered Deposits / Depositsn/aNot reported for this institution