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First National Bank of Bellville, The

Bellville, TX · Cert 3099

FDIC · 3 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, 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 the Houston-Pasadena-The Woodlands, TX area (n=24). 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

9

Q2 2024Q2 2025peer median (50)

Asset Quality

38

Q2 2024Q2 2025peer median (50)

Profitability

11

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

29

Q2 2024Q2 2025peer 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 Bellville, The

Bellville, TX · Cert 3099

FDIC · 3 branches

Q2 2025

$669.3MAssets
$230.8MLoans
$697.0MDeposits
$-35179KEquity
Loan mix
86%RE $174.1M8%C&I $15.4M7%Consumer $13.8MQ2 2024Q2 2025
Deposit mix
84%Interest-bearing $587.6M16%Noninterest $109.4MQ2 2024Q2 2025

NIM

3.25%Q2 ’233.79%Q2 ’243.77%Q2 ’25-37%+36%

Non-interest income vs. expense

1.73%Q2 ’231.67%Q2 ’241.75%Q2 ’25-5%-15%

Market Position · Houston-Pasadena-The Woodlands, TX · 2025 SOD (annual) · 0.2% share · #36 of 109 inst. · $0.7B of $348.4B

27.5% Austin
0.1% Harris

Executive Summary

  • Earnings: ROA of 0.44%, up 51 bps year over year; NIM at 1.37%.
  • Asset quality: problem loans at 0.09% of loans (-5 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 12.14%, up 145 bps from a year ago.
  • Funding: loans stand at 33.11% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.44%+51 bps YoY

Net Interest Margin (YTD, annualized)

1.37%+36 bps YoY

Efficiency Ratio (YTD, annualized)

78.63%-2,395 bps YoY

Tier 1 Leverage Ratio

12.14%+145 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-0.07%-0.11%0.01%0.16%0.44%+51 bps
Return on Equity3.00%5.60%-0.33%-3.97%-10.14%-1,314 bps
Net Interest Margin1.01%1.05%1.08%1.29%1.37%+36 bps
Efficiency Ratio102.59%102.18%99.82%87.31%78.63%-2,395 bps
Non-Interest Burden1.05%1.09%1.08%1.04%0.90%-15 bps
Growth
Asset Growth (YoY)-0.73%8.73%-6.58%-12.45%-13.08%-1,235 bps
Loan Growth (YoY)2.01%-0.51%-1.45%-6.26%-7.36%-937 bps
Deposit Growth (YoY)-1.75%-2.20%1.48%-5.30%-5.39%-364 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.16%0.15%0.04%0.09%-5 bps
Net Charge-Offs / Loans0.03%0.03%0.03%0.02%0.08%+5 bps
Allowance / Loans1.45%1.45%1.46%1.52%1.51%+6 bps
Allowance Coverage of NPLs10.4x8.9x9.7x37.5x16.0x+5.6x
Capital
Tier 1 Leverage Ratio10.69%10.95%11.04%11.51%12.14%+145 bps
Total Risk-Based Capital10.69%10.95%11.04%11.51%12.14%+145 bps
Equity / Assets-3.03%-0.85%-3.63%-4.32%-5.26%-223 bps
Liquidity & Funding
Loans / Deposits33.81%34.03%32.65%32.03%33.11%-71 bps
Liquid Assets / Assets8.91%10.04%8.36%9.53%6.59%-232 bps
CRE / Total Capitaln/an/an/an/an/an/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 Bellville, The

Bellville, TX · Cert 3099 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=24)

FDIC · 3 branches

Q2 2025

$669.3MAssets
$230.8MLoans
$697.0MDeposits
$-35179KEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 46% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 14 of 24).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 24 of 24).
  • Overall: at or above the peer median on 0 of 8 directional measures.

Return on Assets

0.47%

Rank 19 of 24

Net Interest Margin

1.37%

Rank 24 of 24

Efficiency Ratio

78.63%

Rank 18 of 24

Equity / Assets

-5.26%

Rank 24 of 24

Non-interest income vs. expense

$7.0M$14.3MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 29% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 78.63%Peer median 67.8%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.47%0.59%1.00%1.43%Beats 21%19 / 24
Return on Equityn/aNot reported for this institution
Net Interest Margin1.37%2.91%3.63%4.51%Beats 0%24 / 24
Efficiency Ratio78.63%58.88%67.83%80.72%Beats 29%18 / 24
Asset Quality
Nonperforming Loans / Loans0.09%0.00%0.09%1.33%Beats 46%14 / 24
Net Charge-Offs / Loans0.04%0.00%0.01%0.08%Beats 29%18 / 24
Capital
Tier 1 Capital Ratio12.14%13.46%16.18%19.15%Beats 13%21 / 24
Total Risk-Based Capital Ratio12.14%13.54%16.18%20.41%Beats 13%21 / 24
Equity / Assets-5.26%9.01%11.59%13.53%Beats 0%24 / 24
Liquidity & Funding
Loans / Deposits33.11%56.20%79.01%94.18%8th pctl22 / 24
Loans / Assets34.48%49.29%69.55%77.80%17th pctl20 / 24
Brokered Deposits / Depositsn/aNot reported for this institution