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Interstate Bank

Perryton, TX · Cert 31043 · Isb Holdings Inc.

State charter, non-member · FDIC · 2 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

3

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

48

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

Interstate Bank

Perryton, TX · Cert 31043 · Isb Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$288.4MAssets
$143.5MLoans
$269.1MDeposits
$18.6MEquity
Loan mix
58%RE $72.3M39%C&I $48.4M3%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $237.5M12%Noninterest $31.7MQ2 2025Q2 2026

NIM

5.36%Q2 ’245.10%Q2 ’254.56%Q2 ’26-6%-13%

Non-interest income vs. expense

2.21%Q2 ’242.06%Q2 ’252.35%Q2 ’26-16%+23%

Market Position · Amarillo, TX · 2026 SOD (annual) · 0.3% share · #15 of 21 inst. · $0.0B of $11.7B

30.0% Ochiltree
0.9% Randall

Executive Summary

  • Earnings: ROA of 1.01%, down 58 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 3.47% of loans (+190 bps YoY), with net recoveries of 2.48%.
  • Capital: tier 1 leverage ratio of 9.36%, down 65 bps from a year ago.
  • Funding: loans stand at 53.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%-58 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-45 bps YoY

Efficiency Ratio (YTD, annualized)

64.52%+1,480 bps YoY

Tier 1 Leverage Ratio

9.36%-65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.45%0.76%1.02%1.01%-58 bps
Return on Equity28.54%24.57%12.66%16.20%15.91%-1,263 bps
Net Interest Margin3.56%3.55%3.45%3.07%3.11%-45 bps
Efficiency Ratio49.72%48.14%56.62%62.65%64.52%+1,480 bps
Non-Interest Burden1.47%1.39%1.69%1.74%1.81%+34 bps
Growth
Asset Growth (YoY)4.31%2.07%-2.17%5.27%4.77%+46 bps
Loan Growth (YoY)-10.66%-14.00%-15.23%-14.22%-9.68%+98 bps
Deposit Growth (YoY)3.39%1.08%-3.60%4.89%4.22%+83 bps
Asset Quality
Nonperforming Loans / Loans1.58%4.24%4.42%4.24%3.47%+190 bps
Net Charge-Offs / Loans0.11%0.63%1.72%-0.31%-2.48%-259 bps
Allowance / Loans1.36%1.38%1.37%1.48%2.62%+126 bps
Allowance Coverage of NPLs0.9x0.3x0.3x0.3x0.8x-0.1x
Capital
Tier 1 Leverage Ratio10.02%10.19%9.43%9.30%9.36%-65 bps
Total Risk-Based Capital10.02%10.19%9.43%9.30%9.36%-65 bps
Equity / Assets5.91%6.88%6.46%6.10%6.44%+52 bps
Liquidity & Funding
Loans / Deposits61.53%60.90%55.26%51.23%53.33%-821 bps
Liquid Assets / Assets12.83%10.96%18.02%20.64%17.86%+503 bps
CRE / Total Capitaln/a218%210%212%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

Interstate Bank

Perryton, TX · Cert 31043 · Peer group: banks under $1B in assets in TX (n=208-211) · Isb Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$288.4MAssets
$143.5MLoans
$269.1MDeposits
$18.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 82% of banks under $1B in assets in TX (rank 39 of 211).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets in TX (rank 204 of 211).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.00%

Rank 136 of 211

Net Interest Margin

3.11%

Rank 170 of 211

Efficiency Ratio

64.52%

Rank 110 of 211

Equity / Assets

6.44%

Rank 204 of 211

Non-interest income vs. expense

$1.5M$6.8MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 48% of banks under $1B in assets in TX
Bank 64.52%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.00%0.87%1.20%1.65%Beats 36%136 / 211
Return on Equity15.49%7.52%11.67%14.58%Beats 82%39 / 211
Net Interest Margin3.11%3.28%3.82%4.31%Beats 19%170 / 211
Efficiency Ratio64.52%53.01%64.18%73.65%Beats 48%110 / 211
Asset Quality
Nonperforming Loans / Loans3.47%0.01%0.30%1.10%Beats 3%203 / 208
Net Charge-Offs / Loans0.03%0.00%0.01%0.06%Beats 35%136 / 208
Capital
Tier 1 Capital Ratio9.36%11.72%14.45%19.57%Beats 3%205 / 211
Total Risk-Based Capital Ratio9.36%11.94%14.78%20.30%Beats 3%205 / 211
Equity / Assets6.44%9.41%11.06%12.94%Beats 3%204 / 211
Liquidity & Funding
Loans / Deposits53.33%45.39%66.56%82.03%30th pctl146 / 208
Loans / Assets49.77%39.13%56.90%70.46%34th pctl139 / 211
Brokered Deposits / Depositsn/aNot reported for this institution