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Letter portraitLegal landscapeQuarterYTD

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