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First National Bank of Huntsville

Huntsville, TX · Cert 3269 · First Natl Bancshares Huntsville

National charter · OCC · 5 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

55

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

71

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 Huntsville

Huntsville, TX · Cert 3269 · First Natl Bancshares Huntsville

National charter · OCC · 5 branches

Q2 2026

$584.9MAssets
$356.2MLoans
$501.6MDeposits
$80.3MEquity
Loan mix
80%RE $271.8M10%C&I $34.8M10%Consumer $32.5MQ2 2025Q2 2026
Deposit mix
62%Interest-bearing $310.9M38%Noninterest $190.7MQ2 2025Q2 2026

NIM

4.59%Q2 ’245.17%Q2 ’255.23%Q2 ’26+17%+1%

Non-interest income vs. expense

2.58%Q2 ’242.72%Q2 ’252.72%Q2 ’26+4%+0%

Market Position · College Station-Bryan, TX · 2026 SOD (annual) · 0.5% share · #22 of 26 inst. · $0.0B of $9.1B

29.5% Walker
30.1% Madison
12.4% Houston
4.5% Robertson

Executive Summary

  • Earnings: ROA of 1.74%, up 5 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.05% of loans (-5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.29%, up 11 bps from a year ago.
  • Funding: loans stand at 71.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.74%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+5 bps YoY

Efficiency Ratio (YTD, annualized)

54.95%-62 bps YoY

Tier 1 Leverage Ratio

13.29%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.83%1.82%1.67%1.74%+5 bps
Return on Equity12.84%13.59%13.69%12.68%13.05%+21 bps
Net Interest Margin4.18%4.25%4.15%4.06%4.23%+5 bps
Efficiency Ratio55.56%54.22%53.31%55.41%54.95%-62 bps
Non-Interest Burden1.97%1.89%1.75%1.92%1.97%0 bps
Growth
Asset Growth (YoY)5.43%3.97%5.67%6.36%5.55%+12 bps
Loan Growth (YoY)18.50%16.68%8.46%7.84%2.81%-1,569 bps
Deposit Growth (YoY)4.59%3.26%5.20%6.31%5.65%+107 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.06%0.07%0.05%-5 bps
Net Charge-Offs / Loans0.01%0.03%0.06%0.00%0.00%-1 bps
Allowance / Loans1.81%1.80%2.01%1.94%1.91%+9 bps
Allowance Coverage of NPLs17.6x19.0x31.0x29.6x36.9x+19.3x
Capital
Tier 1 Leverage Ratio13.18%13.46%12.67%12.67%13.29%+11 bps
Total Risk-Based Capital13.18%13.46%12.67%12.67%13.29%+11 bps
Equity / Assets13.68%14.17%12.93%13.33%13.74%+6 bps
Liquidity & Funding
Loans / Deposits72.98%73.97%65.51%68.78%71.01%-197 bps
Liquid Assets / Assets8.32%6.35%15.51%11.39%10.11%+179 bps
CRE / Total Capitaln/a198.66%193.66%193.58%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 Huntsville

Huntsville, TX · Cert 3269 · Peer group: banks under $1B in assets in TX (n=208-211) · First Natl Bancshares Huntsville

National charter · OCC · 5 branches

Q2 2026

$584.9MAssets
$356.2MLoans
$501.6MDeposits
$80.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 81% of banks under $1B in assets in TX (rank 41 of 211).
  • Widest gap: total risk-based capital ratio trails 59% of banks under $1B in assets in TX (rank 124 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.75%

Rank 41 of 211

Net Interest Margin

4.23%

Rank 64 of 211

Efficiency Ratio

54.95%

Rank 62 of 211

Equity / Assets

13.74%

Rank 40 of 211

Non-interest income vs. expense

$4.3M$15.8MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 71% of banks under $1B in assets in TX
Bank 54.95%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.75%0.87%1.20%1.65%Beats 81%41 / 211
Return on Equity12.71%7.52%11.67%14.58%Beats 59%87 / 211
Net Interest Margin4.23%3.28%3.82%4.31%Beats 70%64 / 211
Efficiency Ratio54.95%53.01%64.18%73.65%Beats 71%62 / 211
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.30%1.10%Beats 66%72 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 71%61 / 208
Capital
Tier 1 Capital Ratio13.29%11.72%14.45%19.57%Beats 44%119 / 211
Total Risk-Based Capital Ratio13.29%11.94%14.78%20.30%Beats 41%124 / 211
Equity / Assets13.74%9.41%11.06%12.94%Beats 81%40 / 211
Liquidity & Funding
Loans / Deposits71.01%45.39%66.56%82.03%57th pctl89 / 208
Loans / Assets60.91%39.13%56.90%70.46%57th pctl90 / 211
Brokered Deposits / Depositsn/aNot reported for this institution