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First National Bank of Bastrop, The

Bastrop, TX · Cert 3091 · Bastrop Bancshares Inc.

National charter · OCC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 (n=322 to 328). 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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

12

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 Bastrop, The

Bastrop, TX · Cert 3091 · Bastrop Bancshares Inc.

National charter · OCC · 7 branches

Q2 2026

$1.2BAssets
$721.7MLoans
$1.1BDeposits
$107.3MEquity
Loan mix
93%RE $572.9M5%C&I $32.0M2%Consumer $14.1MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $758.5M29%Noninterest $309.6MQ3 2024Q2 2026

Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 1.5% share · #10 of 73 inst. · $1.0B of $70.4B

46.9% Bastrop
9.7% Falls

Executive Summary

  • Earnings: ROA of 1.46%, up 38 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.33% of loans (-9 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.61%, down 5 bps from a year ago.
  • Funding: loans stand at 67.57% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.46%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+28 bps YoY

Efficiency Ratio (YTD, annualized)

62.17%-246 bps YoY

Tier 1 Leverage Ratio

11.61%-5 bps YoY

NIM

4.53%Q2 ’244.90%Q2 ’255.13%Q2 ’26+20%+8%

Non-interest income vs. expense

2.53%Q2 ’242.57%Q2 ’252.63%Q2 ’26+2%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.77%1.07%1.08%1.31%1.20%1.65%1.46%+38 bps
Return on Equity9.93%10.70%14.54%14.36%16.56%14.89%18.25%16.12%+176 bps
Net Interest Margin2.81%2.84%3.22%3.33%3.37%3.43%3.51%3.61%+28 bps
Efficiency Ratio73.16%72.21%65.19%64.63%59.56%61.77%64.79%62.17%-246 bps
Non-Interest Burden1.88%1.87%1.88%1.92%1.62%1.79%2.07%2.01%+9 bps
Growth
Asset Growth (YoY)7.42%3.02%5.16%9.18%4.94%11.16%8.14%14.15%+497 bps
Loan Growth (YoY)4.94%5.59%5.13%11.72%17.51%16.43%18.42%18.01%+629 bps
Deposit Growth (YoY)6.51%6.56%6.23%4.81%1.87%9.12%6.07%16.45%+1,164 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.23%0.23%0.42%0.33%0.31%0.29%0.33%-9 bps
Net Charge-Offs / Loans0.05%0.05%0.08%0.07%0.07%0.06%0.05%0.04%-3 bps
Allowance / Loans1.24%1.21%1.21%1.14%1.15%1.16%1.14%1.14%0 bps
Allowance Coverage of NPLs5.8x5.2x5.1x2.7x3.5x3.8x4.0x3.5x+0.8x
Capital
Tier 1 Leverage Ratio11.80%11.49%11.46%11.67%11.96%11.80%11.55%11.61%-5 bps
Total Risk-Based Capital20.68%20.46%20.57%19.60%19.70%19.42%19.15%11.61%-798 bps
Equity / Assets8.04%7.01%7.66%7.92%8.91%8.66%9.43%9.09%+117 bps
Liquidity & Funding
Loans / Deposits60.43%61.26%60.74%66.68%69.71%65.37%67.81%67.57%+89 bps
Liquid Assets / Assets6.27%5.05%8.06%5.45%5.46%8.77%7.12%9.32%+387 bps
CRE / Total Capitaln/an/an/an/a236%230%234%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 Bastrop, The

Bastrop, TX · Cert 3091 · Peer group: banks $1B-$10B in assets (n=322-328) · Bastrop Bancshares Inc.

National charter · OCC · 7 branches

Q2 2026

$1.2BAssets
$721.7MLoans
$1.1BDeposits
$107.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 82% of banks $1B-$10B in assets (rank 58 of 328).
  • Widest gap: total risk-based capital ratio trails 84% of banks $1B-$10B in assets (rank 277 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.39%

Rank 109 of 328

Net Interest Margin

3.61%

Rank 127 of 328

Efficiency Ratio

62.17%

Rank 195 of 328

Equity / Assets

9.09%

Rank 249 of 328

Non-interest income vs. expense

$7.1M$30.2MINCOMEEXPENSE
Unfavorable gap of $23.1M · efficiency ratio beats 41% of banks $1B-$10B in assets
Bank 62.17%Peer median 59.6%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.39%0.91%1.22%1.52%Beats 67%109 / 328
Return on Equity15.34%8.43%11.45%14.43%Beats 82%58 / 328
Net Interest Margin3.61%3.03%3.45%3.83%Beats 61%127 / 328
Efficiency Ratio62.17%51.61%59.56%67.53%Beats 41%195 / 328
Asset Quality
Nonperforming Loans / Loans0.33%0.24%0.51%1.03%Beats 66%109 / 322
Net Charge-Offs / Loans0.03%0.01%0.03%0.10%Beats 51%158 / 322
Capital
Tier 1 Capital Ratio11.61%11.75%13.15%15.47%Beats 24%250 / 328
Total Risk-Based Capital Ratio11.61%12.63%14.15%16.46%Beats 16%277 / 328
Equity / Assets9.09%9.15%10.33%12.01%Beats 24%249 / 328
Liquidity & Funding
Loans / Deposits67.57%76.63%87.92%95.36%13th pctl281 / 323
Loans / Assets61.13%65.18%74.15%79.98%19th pctl265 / 328
Brokered Deposits / Depositsn/aNot reported for this institution