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Letter portraitLegal landscapeQuarterYTD

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