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First National Bank of Hughes Springs, The

Hughes Springs, TX · Cert 3268 · Chalybeate Springs Corp.

National charter · OCC · 17 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

50

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 National Bank of Hughes Springs, The

Hughes Springs, TX · Cert 3268 · Chalybeate Springs Corp.

National charter · OCC · 17 branches

Q2 2026

$319.5MAssets
$208.4MLoans
$283.1MDeposits
$35.7MEquity
Loan mix
79%RE $149.9M15%C&I $27.7M7%Consumer $13.2MQ2 2025Q2 2026
Deposit mix
43%Interest-bearing $122.0M57%Noninterest $161.1MQ2 2025Q2 2026

NIM

6.12%Q2 ’246.31%Q2 ’256.01%Q2 ’26+3%-5%

Non-interest income vs. expense

3.74%Q2 ’243.89%Q2 ’253.91%Q2 ’26+7%+16%

Market Position · Longview, TX · 2026 SOD (annual) · 0.7% share · #21 of 25 inst. · $0.1B of $8.0B

28.2% Cass
14.1% Falls
0.5% Gregg
17.8% Marion

Executive Summary

  • Earnings: ROA of 1.71%, down 72 bps year over year; NIM at 5.80%.
  • Asset quality: problem loans at 2.23% of loans (-6 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.04%, down 73 bps from a year ago.
  • Funding: loans stand at 73.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.71%-72 bps YoY

Net Interest Margin (YTD, annualized)

5.80%-33 bps YoY

Efficiency Ratio (YTD, annualized)

63.98%+769 bps YoY

Tier 1 Leverage Ratio

11.04%-73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.44%1.89%2.02%1.86%1.71%-72 bps
Return on Equity22.75%17.12%18.60%17.95%16.10%-665 bps
Net Interest Margin6.13%6.18%6.07%5.87%5.80%-33 bps
Efficiency Ratio56.28%54.92%54.58%59.57%63.98%+769 bps
Non-Interest Burden3.13%3.06%2.99%3.20%3.62%+49 bps
Growth
Asset Growth (YoY)3.52%4.14%4.30%1.05%-0.51%-403 bps
Loan Growth (YoY)-0.50%-4.04%-3.31%-10.31%-7.38%-687 bps
Deposit Growth (YoY)4.09%4.81%4.59%0.93%-0.54%-463 bps
Asset Quality
Nonperforming Loans / Loans2.29%2.14%1.29%2.13%2.23%-6 bps
Net Charge-Offs / Loans-0.09%1.01%0.76%0.23%0.03%+12 bps
Allowance / Loans1.18%1.22%1.27%1.39%1.34%+16 bps
Allowance Coverage of NPLs0.5x0.6x1.0x0.7x0.6x+0.1x
Capital
Tier 1 Leverage Ratio11.76%12.11%10.12%10.73%11.04%-73 bps
Total Risk-Based Capital17.58%18.34%16.39%17.84%18.33%+75 bps
Equity / Assets11.17%11.94%10.16%10.61%11.17%-1 bps
Liquidity & Funding
Loans / Deposits79.05%80.07%77.14%72.75%73.61%-544 bps
Liquid Assets / Assets13.19%11.50%12.98%17.02%17.06%+387 bps
CRE / Total Capitaln/a151.10%174.57%154.64%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 National Bank of Hughes Springs, The

Hughes Springs, TX · Cert 3268 · Peer group: banks under $1B in assets in TX (n=208-211) · Chalybeate Springs Corp.

National charter · OCC · 17 branches

Q2 2026

$319.5MAssets
$208.4MLoans
$283.1MDeposits
$35.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets in TX (rank 5 of 211).
  • Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets in TX (rank 185 of 208).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.71%

Rank 47 of 211

Net Interest Margin

5.80%

Rank 5 of 211

Efficiency Ratio

64.28%

Rank 107 of 211

Equity / Assets

11.17%

Rank 103 of 211

Non-interest income vs. expense

$0.9M$12.7MINCOMEEXPENSE
Unfavorable gap of $11.8M · efficiency ratio beats 50% of banks under $1B in assets in TX
Bank 64.28%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.71%0.87%1.20%1.65%Beats 78%47 / 211
Return on Equity15.34%7.52%11.67%14.58%Beats 80%43 / 211
Net Interest Margin5.80%3.28%3.82%4.31%Beats 98%5 / 211
Efficiency Ratio64.28%53.01%64.18%73.65%Beats 50%107 / 211
Asset Quality
Nonperforming Loans / Loans2.23%0.01%0.30%1.10%Beats 12%185 / 208
Net Charge-Offs / Loans0.16%0.00%0.01%0.06%Beats 12%185 / 208
Capital
Tier 1 Capital Ratio17.08%11.72%14.45%19.57%Beats 65%73 / 211
Total Risk-Based Capital Ratio18.33%11.94%14.78%20.30%Beats 68%67 / 211
Equity / Assets11.17%9.41%11.06%12.94%Beats 51%103 / 211
Liquidity & Funding
Loans / Deposits73.61%45.39%66.56%82.03%61st pctl82 / 208
Loans / Assets65.23%39.13%56.90%70.46%64th pctl75 / 211
Brokered Deposits / Depositsn/aNot reported for this institution