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Fayette Savings Bank, SSB

La Grange, TX · Cert 31936 · Fayette Bancshares Inc.

SI · FDIC · 5 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

82

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

Fayette Savings Bank, SSB

La Grange, TX · Cert 31936 · Fayette Bancshares Inc.

SI · FDIC · 5 branches

Q2 2026

$551.8MAssets
$425.7MLoans
$495.2MDeposits
$54.8MEquity
Loan mix
96%RE $386.4M2%C&I $8.0M2%Consumer $7.4MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $461.5M7%Noninterest $33.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.48%, up 24 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.01% of loans (-14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.95%, up 1 bps from a year ago.
  • Funding: loans stand at 85.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.48%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+17 bps YoY

Efficiency Ratio (YTD, annualized)

49.56%-350 bps YoY

Tier 1 Leverage Ratio

10.95%+1 bps YoY

NIM

5.42%Q2 ’245.62%Q2 ’255.50%Q2 ’26+21%+5%

Non-interest income vs. expense

1.65%Q2 ’241.81%Q2 ’251.80%Q2 ’26+12%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.98%1.21%1.24%1.26%1.30%1.47%1.48%+24 bps
Return on Equity11.30%11.51%13.33%13.31%13.39%13.67%15.20%15.16%+185 bps
Net Interest Margin2.72%2.85%3.17%3.24%3.30%3.24%3.53%3.42%+17 bps
Efficiency Ratio56.77%55.96%53.45%53.06%52.80%50.93%49.86%49.56%-350 bps
Non-Interest Burden1.47%1.53%1.61%1.65%1.66%1.56%1.65%1.58%-6 bps
Growth
Asset Growth (YoY)6.96%2.16%4.17%2.40%6.88%9.28%12.79%17.70%+1,529 bps
Loan Growth (YoY)6.37%1.69%1.87%4.40%7.78%9.75%10.54%12.58%+818 bps
Deposit Growth (YoY)7.32%2.94%5.70%1.12%5.99%8.31%12.31%17.31%+1,619 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.15%0.01%0.01%0.01%0.01%-14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.85%0.84%0.84%0.81%0.79%0.84%0.85%0.83%+2 bps
Allowance Coverage of NPLs74.6x88.0x90.6x5.4x93.4x99.1x108.2x110.6x+105.1x
Capital
Tier 1 Leverage Ratio10.18%10.40%10.65%10.94%11.21%10.81%10.74%10.95%+1 bps
Total Risk-Based Capital16.52%17.18%17.73%17.81%17.88%10.81%10.74%10.95%-685 bps
Equity / Assets9.18%9.01%9.21%9.63%9.84%9.78%9.53%9.93%+30 bps
Liquidity & Funding
Loans / Deposits88.00%88.83%85.94%89.59%89.48%90.01%84.58%85.97%-361 bps
Liquid Assets / Assets11.64%10.71%13.01%11.09%10.30%10.32%14.58%13.36%+227 bps
CRE / Total Capitaln/an/an/an/a168.40%180.88%177.40%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

Fayette Savings Bank, SSB

La Grange, TX · Cert 31936 · Peer group: banks under $1B in assets in TX (n=208-211) · Fayette Bancshares Inc.

SI · FDIC · 5 branches

Q2 2026

$551.8MAssets
$425.7MLoans
$495.2MDeposits
$54.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 82% of banks under $1B in assets in TX (rank 39 of 211).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in TX (rank 174 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.41%

Rank 73 of 211

Net Interest Margin

3.42%

Rank 149 of 211

Efficiency Ratio

49.56%

Rank 39 of 211

Equity / Assets

9.93%

Rank 139 of 211

Non-interest income vs. expense

$1.2M$9.7MINCOMEEXPENSE
Unfavorable gap of $8.5M · efficiency ratio beats 82% of banks under $1B in assets in TX
Bank 49.56%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.41%0.87%1.20%1.65%Beats 65%73 / 211
Return on Equity14.22%7.52%11.67%14.58%Beats 73%57 / 211
Net Interest Margin3.42%3.28%3.82%4.31%Beats 29%149 / 211
Efficiency Ratio49.56%53.01%64.18%73.65%Beats 82%39 / 211
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.30%1.10%Beats 77%48 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 79%45 / 208
Capital
Tier 1 Capital Ratio10.95%11.72%14.45%19.57%Beats 18%173 / 211
Total Risk-Based Capital Ratio10.95%11.94%14.78%20.30%Beats 18%174 / 211
Equity / Assets9.93%9.41%11.06%12.94%Beats 34%139 / 211
Liquidity & Funding
Loans / Deposits85.97%45.39%66.56%82.03%83rd pctl35 / 208
Loans / Assets77.15%39.13%56.90%70.46%88th pctl25 / 211
Brokered Deposits / Depositsn/aNot reported for this institution