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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