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Fayetteville Bank

Fayetteville, TX · Cert 3195

FDIC · 3 branches

Q2 2025

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 2025, the quarter ended June 30, 2025, 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=221 to 224). 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

16

Q2 2024Q2 2025peer median (50)

Asset Quality

77

Q2 2024Q2 2025peer median (50)

Profitability

2

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

2

Q2 2024Q2 2025peer 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

Fayetteville Bank

Fayetteville, TX · Cert 3195

FDIC · 3 branches

Q2 2025

$537.4MAssets
$105.0MLoans
$578.8MDeposits
$-46616KEquity
Loan mix
79%RE $67.2M16%C&I $13.4M5%Consumer $4.0MQ2 2024Q2 2025
Deposit mix
90%Interest-bearing $523.8M10%Noninterest $55.0MQ2 2024Q2 2025

NIM

3.07%Q2 ’233.41%Q2 ’243.26%Q2 ’25-75%+110%

Non-interest income vs. expense

0.94%Q2 ’230.87%Q2 ’241.01%Q2 ’25+15%-6%

Executive Summary

  • Earnings: ROA of -0.49%, up 30 bps year over year; NIM at 0.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.79%, up 197 bps from a year ago.
  • Funding: loans stand at 18.15% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.49%+30 bps YoY

Net Interest Margin (YTD, annualized)

0.62%+32 bps YoY

Efficiency Ratio (YTD, annualized)

129.47%-19,181 bps YoY

Tier 1 Leverage Ratio

11.79%+197 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-0.80%-0.74%-0.59%-0.71%-0.49%+30 bps
Return on Equity19.73%20.77%14.87%11.20%6.98%-1,275 bps
Net Interest Margin0.29%0.29%0.31%0.58%0.62%+32 bps
Efficiency Ratio321%285%256%150.08%129.47%-19,181 bps
Non-Interest Burden0.90%0.88%0.87%0.93%0.85%-5 bps
Growth
Asset Growth (YoY)16.09%30.03%0.56%-19.45%-21.98%-3,808 bps
Loan Growth (YoY)-0.74%-7.13%3.27%-7.28%-12.20%-1,146 bps
Deposit Growth (YoY)9.65%11.78%14.10%-9.01%-11.11%-2,076 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.03%0.02%0.02%+1 bps
Allowance / Loans1.70%1.74%1.64%1.83%1.90%+20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.82%10.11%10.26%11.41%11.79%+197 bps
Total Risk-Based Capital9.82%10.11%10.26%11.41%11.79%+197 bps
Equity / Assets-4.74%-2.17%-5.58%-7.19%-8.67%-394 bps
Liquidity & Funding
Loans / Deposits18.37%18.20%18.58%18.32%18.15%-22 bps
Liquid Assets / Assets22.32%21.19%15.31%11.52%10.02%-1,230 bps
CRE / Total Capitaln/an/an/an/an/an/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

Fayetteville Bank

Fayetteville, TX · Cert 3195 · Peer group: banks under $1B in assets in TX (n=221-224)

FDIC · 3 branches

Q2 2025

$537.4MAssets
$105.0MLoans
$578.8MDeposits
$-46616KEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 45 of 221).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in TX (rank 224 of 224).
  • Overall: at or above the peer median on 2 of 8 directional measures.

Return on Assets

-0.53%

Rank 216 of 224

Net Interest Margin

0.62%

Rank 223 of 224

Efficiency Ratio

129.47%

Rank 220 of 224

Equity / Assets

-8.67%

Rank 224 of 224

Non-interest income vs. expense

$1.1M$6.8MINCOMEEXPENSE
Unfavorable gap of $5.7M · efficiency ratio beats 2% of banks under $1B in assets in TX
Bank 129.47%Peer median 63.4%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.53%0.75%1.14%1.55%Beats 4%216 / 224
Return on Equityn/aNot reported for this institution
Net Interest Margin0.62%3.18%3.72%4.29%Beats 0%223 / 224
Efficiency Ratio129.47%54.88%63.36%73.91%Beats 2%220 / 224
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.27%0.93%Beats 100%45 / 221
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 53%105 / 221
Capital
Tier 1 Capital Ratio11.79%11.76%14.62%18.98%Beats 25%167 / 224
Total Risk-Based Capital Ratio11.79%11.87%15.07%19.86%Beats 24%170 / 224
Equity / Assets-8.67%8.61%10.54%12.31%Beats 0%224 / 224
Liquidity & Funding
Loans / Deposits18.15%48.74%69.29%83.16%3rd pctl215 / 221
Loans / Assets19.55%42.63%60.45%70.41%5th pctl211 / 221
Brokered Deposits / Depositsn/aNot reported for this institution