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First Bank of Celeste, The

Celeste, TX · Cert 3133 · Metroplex North Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

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 the Dallas-Fort Worth-Arlington, TX area (n=28). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

21

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 of Celeste, The

Celeste, TX · Cert 3133 · Metroplex North Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$83.9MAssets
$30.9MLoans
$76.3MDeposits
$7.1MEquity
Loan mix
60%RE $15.9M16%C&I $4.3M24%Consumer $6.2MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $45.7M40%Noninterest $30.5MQ2 2025Q2 2026

NIM

4.55%Q2 ’244.43%Q2 ’254.54%Q2 ’26-5%+4%

Non-interest income vs. expense

2.74%Q2 ’242.66%Q2 ’252.81%Q2 ’26-2%+6%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #138 of 166 inst. · $0.1B of $732.8B

Executive Summary

  • Earnings: ROA of 1.06%, up 6 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 8.39%, up 43 bps from a year ago.
  • Funding: loans stand at 40.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+15 bps YoY

Efficiency Ratio (YTD, annualized)

67.74%+72 bps YoY

Tier 1 Leverage Ratio

8.39%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.01%1.02%0.97%1.06%+6 bps
Return on Equity12.55%12.79%12.84%11.84%12.75%+20 bps
Net Interest Margin3.51%3.53%3.56%3.57%3.66%+15 bps
Efficiency Ratio67.02%66.59%67.13%68.77%67.74%+72 bps
Non-Interest Burden2.20%2.21%2.24%2.32%2.32%+12 bps
Growth
Asset Growth (YoY)7.51%8.07%3.43%4.87%0.21%-730 bps
Loan Growth (YoY)-9.15%-1.62%-0.46%6.87%13.65%+2,281 bps
Deposit Growth (YoY)7.54%8.23%3.12%4.70%-0.53%-808 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans-0.04%0.02%0.02%0.12%0.07%+11 bps
Allowance / Loans1.80%1.78%1.79%1.66%1.59%-21 bps
Allowance Coverage of NPLs97.6xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.97%7.94%8.05%8.34%8.39%+43 bps
Total Risk-Based Capital22.42%21.83%21.63%21.36%21.26%-116 bps
Equity / Assets7.79%7.77%8.19%8.25%8.41%+62 bps
Liquidity & Funding
Loans / Deposits35.45%35.80%36.83%38.72%40.51%+506 bps
Liquid Assets / Assets65.57%66.15%62.73%62.24%60.94%-463 bps
CRE / Total Capitaln/a119.24%119.28%126.14%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 of Celeste, The

Celeste, TX · Cert 3133 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Metroplex North Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$83.9MAssets
$30.9MLoans
$76.3MDeposits
$7.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 9 of 28).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 26 of 28).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.05%

Rank 23 of 28

Net Interest Margin

3.66%

Rank 24 of 28

Efficiency Ratio

67.74%

Rank 23 of 28

Equity / Assets

8.41%

Rank 26 of 28

Non-interest income vs. expense

$0.4M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 21% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 67.74%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%1.12%1.22%1.47%Beats 18%23 / 28
Return on Equity12.51%8.64%12.47%13.41%Beats 54%13 / 28
Net Interest Margin3.66%3.77%4.06%4.51%Beats 14%24 / 28
Efficiency Ratio67.74%57.39%61.94%66.78%Beats 21%23 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.28%1.06%Beats 100%9 / 28
Net Charge-Offs / Loans0.04%0.00%0.01%0.20%Beats 39%18 / 28
Capital
Tier 1 Capital Ratio20.01%12.55%13.77%17.51%Beats 82%5 / 28
Total Risk-Based Capital Ratio21.26%12.59%14.62%18.18%Beats 82%5 / 28
Equity / Assets8.41%9.58%11.17%13.58%Beats 7%26 / 28
Liquidity & Funding
Loans / Deposits40.51%66.90%84.79%89.14%4th pctl27 / 28
Loans / Assets36.84%57.58%73.59%77.32%7th pctl26 / 28
Brokered Deposits / Depositsn/aNot reported for this institution