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Angelina Savings Bank, SSB

Lufkin, TX · Cert 32018

SI · FDIC · 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

75

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

25

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

Angelina Savings Bank, SSB

Lufkin, TX · Cert 32018

SI · FDIC · 1 branch

Q2 2026

$86.9MAssets
$46.9MLoans
$76.7MDeposits
$9.8MEquity
Loan mix
71%RE $32.3M16%C&I $7.3M13%Consumer $5.8MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $58.3M24%Noninterest $18.4MQ2 2025Q2 2026

NIM

5.82%Q2 ’245.75%Q2 ’255.53%Q2 ’26-5%-5%

Non-interest income vs. expense

4.00%Q2 ’244.24%Q2 ’253.99%Q2 ’26+8%-7%

Executive Summary

  • Earnings: ROA of 1.01%, down 6 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.16% of loans (-13 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 11.44%, up 56 bps from a year ago.
  • Funding: loans stand at 61.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%-6 bps YoY

Net Interest Margin (YTD, annualized)

4.54%-25 bps YoY

Efficiency Ratio (YTD, annualized)

73.65%-87 bps YoY

Tier 1 Leverage Ratio

11.44%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.07%1.10%0.98%1.01%-6 bps
Return on Equity10.14%10.25%10.41%8.80%9.09%-105 bps
Net Interest Margin4.79%4.49%4.62%4.60%4.54%-25 bps
Efficiency Ratio74.52%73.68%72.51%73.67%73.65%-87 bps
Non-Interest Burden3.34%3.09%3.11%3.16%3.12%-22 bps
Growth
Asset Growth (YoY)1.45%10.37%7.33%4.87%5.71%+426 bps
Loan Growth (YoY)-1.05%5.36%24.12%19.74%24.20%+2,525 bps
Deposit Growth (YoY)-0.07%9.85%6.72%4.05%5.13%+520 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.25%0.20%0.18%0.16%-13 bps
Net Charge-Offs / Loans0.07%0.02%0.02%0.35%0.17%+11 bps
Allowance / Loans1.62%1.63%1.55%1.55%1.54%-8 bps
Allowance Coverage of NPLs5.7x6.6x7.9x8.6x9.9x+4.2x
Capital
Tier 1 Leverage Ratio10.88%10.47%10.96%11.36%11.44%+56 bps
Total Risk-Based Capital29.14%29.72%26.79%27.73%27.87%-127 bps
Equity / Assets10.68%10.16%10.88%11.28%11.27%+59 bps
Liquidity & Funding
Loans / Deposits51.82%49.70%60.15%60.69%61.22%+940 bps
Liquid Assets / Assets51.16%53.96%44.34%43.95%42.19%-897 bps
CRE / Total Capitaln/a108.54%121.35%113.90%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

Angelina Savings Bank, SSB

Lufkin, TX · Cert 32018 · Peer group: banks under $1B in assets in TX (n=208-211)

SI · FDIC · 1 branch

Q2 2026

$86.9MAssets
$46.9MLoans
$76.7MDeposits
$9.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 86% of banks under $1B in assets in TX (rank 29 of 211).
  • Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets in TX (rank 167 of 208).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.00%

Rank 135 of 211

Net Interest Margin

4.54%

Rank 38 of 211

Efficiency Ratio

73.65%

Rank 159 of 211

Equity / Assets

11.27%

Rank 100 of 211

Non-interest income vs. expense

$0.7M$3.4MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 25% of banks under $1B in assets in TX
Bank 73.65%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.00%0.87%1.20%1.65%Beats 36%135 / 211
Return on Equity8.88%7.52%11.67%14.58%Beats 36%134 / 211
Net Interest Margin4.54%3.28%3.82%4.31%Beats 82%38 / 211
Efficiency Ratio73.65%53.01%64.18%73.65%Beats 25%159 / 211
Asset Quality
Nonperforming Loans / Loans0.16%0.01%0.30%1.10%Beats 60%85 / 208
Net Charge-Offs / Loans0.09%0.00%0.01%0.06%Beats 20%167 / 208
Capital
Tier 1 Capital Ratio26.61%11.72%14.45%19.57%Beats 86%29 / 211
Total Risk-Based Capital Ratio27.87%11.94%14.78%20.30%Beats 86%29 / 211
Equity / Assets11.27%9.41%11.06%12.94%Beats 53%100 / 211
Liquidity & Funding
Loans / Deposits61.22%45.39%66.56%82.03%39th pctl126 / 208
Loans / Assets54.01%39.13%56.90%70.46%40th pctl127 / 211
Brokered Deposits / Depositsn/aNot reported for this institution