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First Texas National Bank

Floydada, TX · Cert 3197 · Floyd County Bancshares Inc.

National charter · OCC · 2 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

93

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

87

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 Texas National Bank

Floydada, TX · Cert 3197 · Floyd County Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$216.9MAssets
$189.7MLoans
$195.3MDeposits
$20.7MEquity
Loan mix
85%RE $103.0M13%C&I $16.2M2%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $151.2M23%Noninterest $44.1MQ2 2025Q2 2026

NIM

5.79%Q2 ’246.44%Q2 ’256.49%Q2 ’26+24%+10%

Non-interest income vs. expense

2.31%Q2 ’242.46%Q2 ’252.45%Q2 ’26+12%-9%

Market Position · Sherman-Denison, TX · 2026 SOD (annual) · 0.3% share · #15 of 17 inst. · $0.0B of $4.1B

74.0% Floyd
0.3% Grayson

Executive Summary

  • Earnings: ROA of 2.27%, up 71 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 0.00% of loans (-70 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.69%, down 114 bps from a year ago.
  • Funding: loans stand at 97.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.27%+71 bps YoY

Net Interest Margin (YTD, annualized)

4.61%+43 bps YoY

Efficiency Ratio (YTD, annualized)

46.29%-597 bps YoY

Tier 1 Leverage Ratio

9.69%-114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.63%1.69%1.94%2.27%+71 bps
Return on Equity15.05%15.89%16.73%19.93%23.46%+841 bps
Net Interest Margin4.18%4.19%3.75%4.62%4.61%+43 bps
Efficiency Ratio52.26%50.94%53.31%47.17%46.29%-597 bps
Non-Interest Burden1.95%1.91%1.81%1.88%1.77%-18 bps
Growth
Asset Growth (YoY)5.61%8.73%11.27%20.20%29.18%+2,357 bps
Loan Growth (YoY)19.93%12.81%11.67%26.93%33.57%+1,364 bps
Deposit Growth (YoY)11.28%11.23%11.38%21.35%33.91%+2,263 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.47%0.44%0.00%0.00%-70 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.04%0.02%+2 bps
Allowance / Loans1.07%1.06%0.96%0.98%0.84%-24 bps
Allowance Coverage of NPLs1.5x2.2x2.2xn/an/an/a
Capital
Tier 1 Leverage Ratio10.84%10.68%9.22%9.88%9.69%-114 bps
Total Risk-Based Capital10.84%10.68%9.22%9.88%9.69%-114 bps
Equity / Assets10.81%10.20%9.48%10.00%9.53%-128 bps
Liquidity & Funding
Loans / Deposits97.40%90.63%87.99%96.61%97.15%-25 bps
Liquid Assets / Assets0.84%6.68%10.56%2.24%3.28%+243 bps
CRE / Total Capitaln/a275%310%342%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 Texas National Bank

Floydada, TX · Cert 3197 · Peer group: banks under $1B in assets in TX (n=208-211) · Floyd County Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$216.9MAssets
$189.7MLoans
$195.3MDeposits
$20.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in TX (rank 200 of 211).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.15%

Rank 12 of 211

Net Interest Margin

4.61%

Rank 28 of 211

Efficiency Ratio

46.34%

Rank 29 of 211

Equity / Assets

9.53%

Rank 156 of 211

Non-interest income vs. expense

$1.5M$5.2MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 87% of banks under $1B in assets in TX
Bank 46.34%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.15%0.87%1.20%1.65%Beats 94%12 / 211
Return on Equity22.55%7.52%11.67%14.58%Beats 97%6 / 211
Net Interest Margin4.61%3.28%3.82%4.31%Beats 87%28 / 211
Efficiency Ratio46.34%53.01%64.18%73.65%Beats 87%29 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 56%93 / 208
Capital
Tier 1 Capital Ratio9.69%11.72%14.45%19.57%Beats 6%199 / 211
Total Risk-Based Capital Ratio9.69%11.94%14.78%20.30%Beats 5%200 / 211
Equity / Assets9.53%9.41%11.06%12.94%Beats 26%156 / 211
Liquidity & Funding
Loans / Deposits97.15%45.39%66.56%82.03%97th pctl7 / 208
Loans / Assets87.45%39.13%56.90%70.46%100th pctl1 / 211
Brokered Deposits / Depositsn/aNot reported for this institution