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Austin Bank, Texas National Association

Jacksonville, TX · Cert 3276 · Jsa Family Ltd. Partnership

National charter · OCC · 39 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=268 to 269). 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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

76

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

Austin Bank, Texas National Association

Jacksonville, TX · Cert 3276 · Jsa Family Ltd. Partnership

National charter · OCC · 1 affiliate bank · 39 branches (48 in holding)

Q2 2026

$3.3BAssets
$2.5BLoans
$2.8BDeposits
$504.4MEquity
Loan mix
86%RE $2.1B9%C&I $0.2B5%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $1.8B37%Noninterest $1.0BQ2 2025Q2 2026

NIM

5.35%Q2 ’245.77%Q2 ’256.06%Q2 ’26+10%+11%

Non-interest income vs. expense

2.87%Q2 ’242.97%Q2 ’252.91%Q2 ’26+9%0%

Market Position · Longview, TX · 2026 SOD (annual) · 8.4% share · #3 of 25 inst. · $0.7B of $8.0B

7.3% Smith
49.2% Cherokee
11.9% Gregg
34.5% Anderson

Executive Summary

  • Earnings: ROA of 2.08%, up 37 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 0.60% of loans (+12 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 15.12%, up 101 bps from a year ago.
  • Funding: loans stand at 89.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.08%+37 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+47 bps YoY

Efficiency Ratio (YTD, annualized)

51.33%-514 bps YoY

Tier 1 Leverage Ratio

15.12%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.82%1.92%2.04%2.08%+37 bps
Return on Equity12.10%12.78%13.39%13.64%13.87%+177 bps
Net Interest Margin4.47%4.52%4.54%4.86%4.94%+47 bps
Efficiency Ratio56.46%54.92%53.96%51.33%51.33%-514 bps
Non-Interest Burden2.16%2.11%2.07%2.10%2.16%0 bps
Growth
Asset Growth (YoY)10.52%10.13%10.10%4.76%6.52%-400 bps
Loan Growth (YoY)8.25%8.14%7.15%2.30%0.68%-757 bps
Deposit Growth (YoY)11.62%10.59%9.31%3.71%5.43%-618 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.53%0.60%0.57%0.60%+12 bps
Net Charge-Offs / Loans0.07%0.06%0.05%0.08%0.05%-3 bps
Allowance / Loans1.38%1.39%1.38%1.42%1.46%+9 bps
Allowance Coverage of NPLs2.9x2.6x2.3x2.5x2.4x-0.5x
Capital
Tier 1 Leverage Ratio14.10%14.36%14.53%15.03%15.12%+101 bps
Total Risk-Based Capital14.10%14.36%14.53%15.03%15.12%+101 bps
Equity / Assets14.24%14.41%14.84%15.09%15.14%+90 bps
Liquidity & Funding
Loans / Deposits93.54%92.32%93.41%91.23%89.32%-422 bps
Liquid Assets / Assets7.99%8.09%5.96%8.02%6.93%-106 bps
CRE / Total Capitaln/a250%246%236%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

Austin Bank, Texas National Association

Jacksonville, TX · Cert 3276 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Jsa Family Ltd. Partnership

National charter · OCC · 1 affiliate bank · 39 branches (48 in holding)

Q2 2026

$3.3BAssets
$2.5BLoans
$2.8BDeposits
$504.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks $1B-$10B in assets operating in a single state (rank 9 of 269).
  • Widest gap: net charge-offs / loans trails 75% of banks $1B-$10B in assets operating in a single state (rank 203 of 269).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.05%

Rank 16 of 269

Net Interest Margin

4.94%

Rank 9 of 269

Efficiency Ratio

51.35%

Rank 65 of 268

Equity / Assets

15.14%

Rank 18 of 269

Non-interest income vs. expense

$24.9M$96.0MINCOMEEXPENSE
Unfavorable gap of $71.1M · efficiency ratio beats 76% of banks $1B-$10B in assets operating in a single state
Bank 51.35%Peer median 60.2%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.05%0.93%1.23%1.54%Beats 94%16 / 269
Return on Equity13.52%9.13%11.77%14.52%Beats 66%92 / 269
Net Interest Margin4.94%3.16%3.50%3.88%Beats 97%9 / 269
Efficiency Ratio51.35%51.70%60.21%69.66%Beats 76%65 / 268
Asset Quality
Nonperforming Loans / Loans0.60%0.19%0.45%0.89%Beats 34%179 / 269
Net Charge-Offs / Loans0.06%0.01%0.02%0.06%Beats 25%203 / 269
Capital
Tier 1 Capital Ratio15.12%11.29%13.10%15.21%Beats 73%72 / 269
Total Risk-Based Capital Ratio15.12%12.04%13.91%16.33%Beats 65%95 / 269
Equity / Assets15.14%9.18%10.29%11.76%Beats 93%18 / 269
Liquidity & Funding
Loans / Deposits89.32%72.68%86.29%95.72%59th pctl110 / 269
Loans / Assets75.03%62.46%72.27%78.37%60th pctl108 / 269
Brokered Deposits / Depositsn/aNot reported for this institution