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Greater State Bank

McAllen, TX · Cert 31762 · Greater State Bancshares Corp.

State charter, non-member · FDIC · 6 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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

1

Q2 2024Q2 2026peer median

Efficiency

26

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

Greater State Bank

McAllen, TX · Cert 31762 · Greater State Bancshares Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$180.2MAssets
$143.0MLoans
$159.3MDeposits
$19.8MEquity
Loan mix
80%RE $110.9M19%C&I $26.8M1%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $100.8M37%Noninterest $58.4MQ2 2025Q2 2026

NIM

6.21%Q2 ’246.69%Q2 ’257.00%Q2 ’26+13%+9%

Non-interest income vs. expense

3.76%Q2 ’244.12%Q2 ’254.68%Q2 ’26+11%+16%

Market Position · McAllen-Edinburg-Mission, TX · 2026 SOD (annual) · 0.8% share · #14 of 20 inst. · $0.1B of $16.0B

0.8% Hidalgo
17.5% Brooks
6.2% Jim Hogg

Executive Summary

  • Earnings: ROA of 1.26%, down 9 bps year over year; NIM at 5.59%.
  • Asset quality: problem loans at 0.05% of loans (+1 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.05%, up 59 bps from a year ago.
  • Funding: loans stand at 89.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%-9 bps YoY

Net Interest Margin (YTD, annualized)

5.59%+44 bps YoY

Efficiency Ratio (YTD, annualized)

73.38%+381 bps YoY

Tier 1 Leverage Ratio

11.05%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.34%1.36%1.18%1.26%-9 bps
Return on Equity13.69%13.48%13.51%11.25%11.79%-191 bps
Net Interest Margin5.15%5.14%5.24%5.52%5.59%+44 bps
Efficiency Ratio69.57%70.07%71.03%73.12%73.38%+381 bps
Non-Interest Burden3.35%3.37%3.49%3.82%3.89%+55 bps
Growth
Asset Growth (YoY)4.76%7.57%0.35%4.80%5.40%+64 bps
Loan Growth (YoY)6.53%7.73%11.54%14.46%13.51%+698 bps
Deposit Growth (YoY)6.66%10.23%1.74%3.97%4.71%-195 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.03%0.03%0.05%+1 bps
Net Charge-Offs / Loans0.05%0.03%0.03%0.08%0.05%0 bps
Allowance / Loans1.18%1.20%1.13%1.08%1.04%-14 bps
Allowance Coverage of NPLs31.5x30.4x37.0x33.5x20.4x-11.1x
Capital
Tier 1 Leverage Ratio10.47%10.47%10.46%10.71%11.05%+59 bps
Total Risk-Based Capital16.41%16.56%15.55%15.63%15.70%-71 bps
Equity / Assets10.32%10.38%10.46%10.55%11.01%+69 bps
Liquidity & Funding
Loans / Deposits82.82%81.33%85.81%87.08%89.78%+696 bps
Liquid Assets / Assets15.04%17.96%14.06%13.50%12.21%-283 bps
CRE / Total Capitaln/a358%386%381%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

Greater State Bank

McAllen, TX · Cert 31762 · Peer group: banks under $1B in assets in TX (n=208-211) · Greater State Bancshares Corp.

State charter, non-member · FDIC · 6 branches

Q2 2026

$180.2MAssets
$143.0MLoans
$159.3MDeposits
$19.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in TX (rank 8 of 211).
  • Widest gap: efficiency ratio trails 74% of banks under $1B in assets in TX (rank 157 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.25%

Rank 95 of 211

Net Interest Margin

5.59%

Rank 8 of 211

Efficiency Ratio

73.38%

Rank 157 of 211

Equity / Assets

11.01%

Rank 108 of 211

Non-interest income vs. expense

$1.4M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 26% of banks under $1B in assets in TX
Bank 73.38%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%0.87%1.20%1.65%Beats 55%95 / 211
Return on Equity11.38%7.52%11.67%14.58%Beats 48%109 / 211
Net Interest Margin5.59%3.28%3.82%4.31%Beats 96%8 / 211
Efficiency Ratio73.38%53.01%64.18%73.65%Beats 26%157 / 211
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.30%1.10%Beats 67%71 / 208
Net Charge-Offs / Loans0.03%0.00%0.01%0.06%Beats 38%130 / 208
Capital
Tier 1 Capital Ratio14.45%11.72%14.45%19.57%Beats 50%106 / 211
Total Risk-Based Capital Ratio15.70%11.94%14.78%20.30%Beats 55%95 / 211
Equity / Assets11.01%9.41%11.06%12.94%Beats 49%108 / 211
Liquidity & Funding
Loans / Deposits89.78%45.39%66.56%82.03%89th pctl22 / 208
Loans / Assets79.33%39.13%56.90%70.46%92nd pctl16 / 211
Brokered Deposits / Depositsn/aNot reported for this institution