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First Bank

Burkburnett, TX · Cert 3121 · First Burkburnett Bancshares

State charter, non-member · FDIC · 7 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

37

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 Bank

Burkburnett, TX · Cert 3121 · First Burkburnett Bancshares

State charter, non-member · FDIC · 7 branches

Q2 2026

$703.6MAssets
$582.1MLoans
$603.4MDeposits
$96.6MEquity
Loan mix
90%RE $500.5M10%C&I $54.6M0%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $432.4M28%Noninterest $171.1MQ2 2025Q2 2026

NIM

6.29%Q2 ’246.28%Q2 ’256.05%Q2 ’26-1%-1%

Non-interest income vs. expense

4.96%Q2 ’244.83%Q2 ’254.14%Q2 ’26-10%0%

Market Position · Wichita Falls, TX · 2026 SOD (annual) · 11.9% share · #3 of 14 inst. · $0.5B of $4.3B

12.5% Wichita
1.3% Parker
0.0% Denton

Executive Summary

  • Earnings: ROA of 1.48%, up 7 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.80% of loans (-21 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 13.87%, up 27 bps from a year ago.
  • Funding: loans stand at 96.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.60%-7 bps YoY

Efficiency Ratio (YTD, annualized)

68.05%-214 bps YoY

Tier 1 Leverage Ratio

13.87%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.48%1.34%1.37%1.48%+7 bps
Return on Equity10.31%10.82%9.75%9.85%10.72%+41 bps
Net Interest Margin4.67%4.66%4.69%4.53%4.60%-7 bps
Efficiency Ratio70.19%68.74%68.12%68.82%68.05%-214 bps
Non-Interest Burden2.66%2.61%2.85%2.68%2.65%-1 bps
Growth
Asset Growth (YoY)5.92%7.16%2.90%4.49%3.86%-207 bps
Loan Growth (YoY)7.99%5.34%-2.58%-0.44%-1.81%-980 bps
Deposit Growth (YoY)2.25%4.59%6.48%8.38%7.46%+521 bps
Asset Quality
Nonperforming Loans / Loans1.01%0.84%1.00%1.40%0.80%-21 bps
Net Charge-Offs / Loans0.02%0.00%0.00%0.05%0.05%+3 bps
Allowance / Loans1.90%1.98%2.06%2.10%2.03%+13 bps
Allowance Coverage of NPLs1.9x2.4x2.1x1.5x2.5x+0.7x
Capital
Tier 1 Leverage Ratio13.59%13.42%13.99%14.05%13.87%+27 bps
Total Risk-Based Capital14.11%14.49%14.89%14.96%14.66%+55 bps
Equity / Assets13.59%13.43%14.01%13.78%13.72%+13 bps
Liquidity & Funding
Loans / Deposits105.56%100.90%98.16%94.87%96.46%-910 bps
Liquid Assets / Assets7.81%11.49%12.22%15.10%13.26%+544 bps
CRE / Total Capitaln/a296%296%305%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 Bank

Burkburnett, TX · Cert 3121 · Peer group: banks under $1B in assets in TX (n=208-211) · First Burkburnett Bancshares

State charter, non-member · FDIC · 7 branches

Q2 2026

$703.6MAssets
$582.1MLoans
$603.4MDeposits
$96.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 85% of banks under $1B in assets in TX (rank 31 of 211).
  • Widest gap: nonperforming loans / loans trails 69% of banks under $1B in assets in TX (rank 144 of 208).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.46%

Rank 67 of 211

Net Interest Margin

4.60%

Rank 31 of 211

Efficiency Ratio

68.05%

Rank 134 of 211

Equity / Assets

13.72%

Rank 41 of 211

Non-interest income vs. expense

$10.4M$28.8MINCOMEEXPENSE
Unfavorable gap of $18.5M · efficiency ratio beats 37% of banks under $1B in assets in TX
Bank 68.05%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.46%0.87%1.20%1.65%Beats 68%67 / 211
Return on Equity10.60%7.52%11.67%14.58%Beats 44%119 / 211
Net Interest Margin4.60%3.28%3.82%4.31%Beats 85%31 / 211
Efficiency Ratio68.05%53.01%64.18%73.65%Beats 37%134 / 211
Asset Quality
Nonperforming Loans / Loans0.80%0.01%0.30%1.10%Beats 31%144 / 208
Net Charge-Offs / Loans0.03%0.00%0.01%0.06%Beats 41%124 / 208
Capital
Tier 1 Capital Ratio13.40%11.72%14.45%19.57%Beats 44%118 / 211
Total Risk-Based Capital Ratio14.66%11.94%14.78%20.30%Beats 49%107 / 211
Equity / Assets13.72%9.41%11.06%12.94%Beats 81%41 / 211
Liquidity & Funding
Loans / Deposits96.46%45.39%66.56%82.03%96th pctl9 / 208
Loans / Assets82.73%39.13%56.90%70.46%97th pctl7 / 211
Brokered Deposits / Depositsn/aNot reported for this institution