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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 $0.1BQ3 2024Q2 2026
Deposit mix
63%Interest-bearing $1.8B37%Noninterest $1.0BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.64%1.55%1.71%1.82%1.92%2.04%2.08%+37 bps
Return on Equity11.38%11.79%11.00%12.10%12.78%13.39%13.64%13.87%+177 bps
Net Interest Margin4.13%4.12%4.41%4.47%4.52%4.54%4.86%4.94%+47 bps
Efficiency Ratio57.71%57.05%57.47%56.46%54.92%53.96%51.33%51.33%-514 bps
Non-Interest Burden2.01%1.96%2.18%2.16%2.11%2.07%2.10%2.16%0 bps
Growth
Asset Growth (YoY)3.65%5.76%9.15%10.52%10.13%10.10%4.76%6.52%-400 bps
Loan Growth (YoY)6.80%5.61%8.51%8.25%8.14%7.15%2.30%0.68%-757 bps
Deposit Growth (YoY)6.80%7.56%10.69%11.62%10.59%9.31%3.71%5.43%-618 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.47%0.48%0.48%0.53%0.60%0.57%0.60%+12 bps
Net Charge-Offs / Loans0.10%0.09%0.07%0.07%0.06%0.05%0.08%0.05%-3 bps
Allowance / Loans1.37%1.38%1.38%1.38%1.39%1.38%1.42%1.46%+9 bps
Allowance Coverage of NPLs3.0x3.0x2.9x2.9x2.6x2.3x2.5x2.4x-0.5x
Capital
Tier 1 Leverage Ratio14.37%14.31%14.30%14.10%14.36%14.53%15.03%15.12%+101 bps
Total Risk-Based Capital14.37%14.31%14.30%14.10%14.36%14.53%15.03%15.12%+101 bps
Equity / Assets14.06%14.35%13.89%14.24%14.41%14.84%15.09%15.14%+90 bps
Liquidity & Funding
Loans / Deposits94.42%95.29%92.49%93.54%92.32%93.41%91.23%89.32%-422 bps
Liquid Assets / Assets6.20%5.30%8.92%7.99%8.09%5.96%8.02%6.93%-106 bps
CRE / Total Capitaln/an/an/an/a250%246%236%n/an/a