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First National Bank in Cooper, The

Cooper, TX · Cert 3149 · Cooper Lake Financial Corp.

National charter · OCC · 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 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

41

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 National Bank in Cooper, The

Cooper, TX · Cert 3149 · Cooper Lake Financial Corp.

National charter · OCC · 1 branch

Q2 2026

$57.3MAssets
$30.3MLoans
$49.7MDeposits
$7.4MEquity
Loan mix
92%RE $28.0M2%C&I $0.7M6%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $34.1M31%Noninterest $15.6MQ2 2025Q2 2026

NIM

4.01%Q2 ’244.05%Q2 ’254.17%Q2 ’26-2%+2%

Non-interest income vs. expense

2.21%Q2 ’242.24%Q2 ’252.17%Q2 ’26+3%-1%

Executive Summary

  • Earnings: ROA of 0.90%, up 3 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 1.44% of loans (+144 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.12%, down 44 bps from a year ago.
  • Funding: loans stand at 61.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+5 bps YoY

Efficiency Ratio (YTD, annualized)

66.49%-227 bps YoY

Tier 1 Leverage Ratio

13.12%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.89%0.88%0.97%0.90%+3 bps
Return on Equity6.77%6.81%6.74%7.50%6.95%+18 bps
Net Interest Margin2.83%2.87%2.90%2.91%2.88%+5 bps
Efficiency Ratio68.76%67.83%68.03%64.27%66.49%-227 bps
Non-Interest Burden1.81%1.81%1.84%1.74%1.79%-2 bps
Growth
Asset Growth (YoY)1.63%4.25%5.62%5.83%5.71%+409 bps
Loan Growth (YoY)1.17%-1.97%-0.53%-2.88%-7.17%-834 bps
Deposit Growth (YoY)0.65%3.99%5.23%5.64%5.76%+512 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.34%1.50%1.36%1.44%+144 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.75%0.76%0.76%0.77%0.81%+5 bps
Allowance Coverage of NPLs245.0x0.6x0.5x0.6x0.6x-244.4x
Capital
Tier 1 Leverage Ratio13.56%13.91%13.61%13.26%13.12%-44 bps
Total Risk-Based Capital13.56%13.91%13.61%13.26%13.12%-44 bps
Equity / Assets12.97%13.59%13.17%12.77%12.88%-9 bps
Liquidity & Funding
Loans / Deposits69.49%69.85%66.59%62.73%61.00%-850 bps
Liquid Assets / Assets3.19%2.77%2.68%2.55%2.60%-59 bps
CRE / Total Capitaln/a38.04%37.27%37.15%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 National Bank in Cooper, The

Cooper, TX · Cert 3149 · Peer group: banks under $1B in assets in TX (n=208-211) · Cooper Lake Financial Corp.

National charter · OCC · 1 branch

Q2 2026

$57.3MAssets
$30.3MLoans
$49.7MDeposits
$7.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: net interest margin trails 87% of banks under $1B in assets in TX (rank 184 of 211).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.89%

Rank 158 of 211

Net Interest Margin

2.88%

Rank 184 of 211

Efficiency Ratio

66.49%

Rank 125 of 211

Equity / Assets

12.88%

Rank 56 of 211

Non-interest income vs. expense

$0.2M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 41% of banks under $1B in assets in TX
Bank 66.49%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.87%1.20%1.65%Beats 25%158 / 211
Return on Equity6.93%7.52%11.67%14.58%Beats 22%164 / 211
Net Interest Margin2.88%3.28%3.82%4.31%Beats 13%184 / 211
Efficiency Ratio66.49%53.01%64.18%73.65%Beats 41%125 / 211
Asset Quality
Nonperforming Loans / Loans1.44%0.01%0.30%1.10%Beats 22%164 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio13.12%11.72%14.45%19.57%Beats 42%122 / 211
Total Risk-Based Capital Ratio13.12%11.94%14.78%20.30%Beats 41%125 / 211
Equity / Assets12.88%9.41%11.06%12.94%Beats 73%56 / 211
Liquidity & Funding
Loans / Deposits61.00%45.39%66.56%82.03%38th pctl128 / 208
Loans / Assets52.87%39.13%56.90%70.46%38th pctl130 / 211
Brokered Deposits / Depositsn/aNot reported for this institution