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State National Bank of Big Spring, The

Big Spring, TX · Cert 3103 · SNB Financial 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

97

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

State National Bank of Big Spring, The

Big Spring, TX · Cert 3103 · SNB Financial Inc.

National charter · OCC · 3 branches

Q2 2026

$640.0MAssets
$98.0MLoans
$574.9MDeposits
$63.0MEquity
Loan mix
66%RE $54.0M32%C&I $25.8M2%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $388.4M32%Noninterest $186.5MQ2 2025Q2 2026

NIM

3.42%Q2 ’243.47%Q2 ’253.64%Q2 ’26+0%+14%

Non-interest income vs. expense

1.09%Q2 ’241.12%Q2 ’251.02%Q2 ’26+2%-9%

Market Position · Lubbock, TX · 2026 SOD (annual) · 0.1% share · #31 of 31 inst. · $0.0B of $14.3B

35.9% Howard
6.3% Dawson
13.9% Lynn

Executive Summary

  • Earnings: ROA of 1.40%, up 27 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 1.63% of loans (+163 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 11.19%, up 45 bps from a year ago.
  • Funding: loans stand at 17.05% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+27 bps YoY

Net Interest Margin (YTD, annualized)

2.75%+33 bps YoY

Efficiency Ratio (YTD, annualized)

34.96%-808 bps YoY

Tier 1 Leverage Ratio

11.19%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%0.97%1.11%1.38%1.40%+27 bps
Return on Equity13.69%11.18%12.47%13.94%14.24%+56 bps
Net Interest Margin2.42%2.42%2.43%2.77%2.75%+33 bps
Efficiency Ratio43.04%42.66%39.95%35.45%34.96%-808 bps
Non-Interest Burden0.94%0.93%0.87%0.88%0.85%-9 bps
Growth
Asset Growth (YoY)3.98%10.20%9.43%2.85%10.93%+695 bps
Loan Growth (YoY)-4.15%-4.80%5.76%-6.41%-2.24%+191 bps
Deposit Growth (YoY)4.72%11.29%6.44%0.97%10.42%+570 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.32%1.32%1.12%1.63%+163 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%-0.03%-4 bps
Allowance / Loans1.96%3.19%3.19%3.51%3.38%+142 bps
Allowance Coverage of NPLsn/a2.4x2.4x3.1x2.1xn/a
Capital
Tier 1 Leverage Ratio10.74%10.79%10.57%11.03%11.19%+45 bps
Total Risk-Based Capital10.74%10.79%10.57%11.03%11.19%+45 bps
Equity / Assets9.39%9.71%9.88%9.86%9.84%+44 bps
Liquidity & Funding
Loans / Deposits19.26%17.73%17.76%17.03%17.05%-221 bps
Liquid Assets / Assets3.02%5.18%4.75%5.70%6.51%+348 bps
CRE / Total Capitaln/a59.18%60.90%56.55%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

State National Bank of Big Spring, The

Big Spring, TX · Cert 3103 · Peer group: banks under $1B in assets in TX (n=208-211) · SNB Financial Inc.

National charter · OCC · 3 branches

Q2 2026

$640.0MAssets
$98.0MLoans
$574.9MDeposits
$63.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets in TX (rank 8 of 211).
  • Widest gap: net interest margin trails 90% of banks under $1B in assets in TX (rank 190 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.37%

Rank 76 of 211

Net Interest Margin

2.75%

Rank 190 of 211

Efficiency Ratio

34.96%

Rank 8 of 211

Equity / Assets

9.84%

Rank 146 of 211

Non-interest income vs. expense

$1.1M$6.5MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 97% of banks under $1B in assets in TX
Bank 34.96%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%0.87%1.20%1.65%Beats 64%76 / 211
Return on Equity13.97%7.52%11.67%14.58%Beats 70%63 / 211
Net Interest Margin2.75%3.28%3.82%4.31%Beats 10%190 / 211
Efficiency Ratio34.96%53.01%64.18%73.65%Beats 97%8 / 211
Asset Quality
Nonperforming Loans / Loans1.63%0.01%0.30%1.10%Beats 20%167 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 74%57 / 208
Capital
Tier 1 Capital Ratio11.19%11.72%14.45%19.57%Beats 20%168 / 211
Total Risk-Based Capital Ratio11.19%11.94%14.78%20.30%Beats 19%170 / 211
Equity / Assets9.84%9.41%11.06%12.94%Beats 31%146 / 211
Liquidity & Funding
Loans / Deposits17.05%45.39%66.56%82.03%2nd pctl203 / 208
Loans / Assets15.31%39.13%56.90%70.46%5th pctl201 / 211
Brokered Deposits / Depositsn/aNot reported for this institution