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Kleberg Bank, N.A.

Kingsville, TX · Cert 3286 · Kleberg&Company Bankers Inc.

National charter · OCC · 4 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

45

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 2026-10-10

Kleberg Bank, N.A.

Kingsville, TX · Cert 3286 · Kleberg&Company Bankers Inc.

National charter · OCC · 4 branches

Q2 2026

$736.8MAssets
$512.7MLoans
$655.5MDeposits
$73.1MEquity
Loan mix
66%RE $324.3M18%C&I $89.9M15%Consumer $75.9MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $472.1M28%Noninterest $183.4MQ2 2025Q2 2026

NIM

4.45%Q2 ’244.69%Q2 ’254.96%Q2 ’26+7%+11%

Non-interest income vs. expense

2.72%Q2 ’242.81%Q2 ’253.03%Q2 ’26+18%+10%

Market Position · Corpus Christi, TX · 2026 SOD (annual) · 4.2% share · #5 of 16 inst. · $0.3B of $8.1B

5.1% Nueces
53.6% Kleberg

Executive Summary

  • Earnings: ROA of 1.20%, up 14 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.10% of loans (-41 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.45%, up 17 bps from a year ago.
  • Funding: loans stand at 78.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+41 bps YoY

Efficiency Ratio (YTD, annualized)

65.01%-122 bps YoY

Tier 1 Leverage Ratio

9.45%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.11%1.10%1.14%1.20%+14 bps
Return on Equity12.20%12.51%12.28%11.93%12.37%+17 bps
Net Interest Margin3.64%3.73%3.76%3.93%4.04%+41 bps
Efficiency Ratio66.23%65.16%65.11%66.09%65.01%-122 bps
Non-Interest Burden2.12%2.12%2.14%2.29%2.32%+20 bps
Growth
Asset Growth (YoY)3.26%4.18%5.00%3.51%2.75%-51 bps
Loan Growth (YoY)12.82%11.18%5.00%4.28%4.97%-785 bps
Deposit Growth (YoY)-0.48%1.62%7.40%4.94%4.57%+505 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.51%0.41%0.33%0.10%-41 bps
Net Charge-Offs / Loans0.10%0.09%0.09%0.07%0.06%-3 bps
Allowance / Loans1.24%1.25%1.22%1.23%1.24%0 bps
Allowance Coverage of NPLs2.5x2.4x3.0x3.7x12.6x+10.2x
Capital
Tier 1 Leverage Ratio9.28%9.59%9.56%9.30%9.45%+17 bps
Total Risk-Based Capital14.20%14.44%14.35%14.05%14.14%-6 bps
Equity / Assets8.65%9.31%9.40%9.71%9.92%+127 bps
Liquidity & Funding
Loans / Deposits77.92%77.80%75.77%76.04%78.21%+30 bps
Liquid Assets / Assets2.04%2.84%5.09%5.69%3.70%+165 bps
CRE / Total Capitaln/a298%311%313%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 2026-10-10

Kleberg Bank, N.A.

Kingsville, TX · Cert 3286 · Peer group: banks under $1B in assets in TX (n=208-211) · Kleberg&Company Bankers Inc.

National charter · OCC · 4 branches

Q2 2026

$736.8MAssets
$512.7MLoans
$655.5MDeposits
$73.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 63% of banks under $1B in assets in TX (rank 78 of 208).
  • Widest gap: net charge-offs / loans trails 73% of banks under $1B in assets in TX (rank 153 of 208).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.20%

Rank 105 of 211

Net Interest Margin

4.04%

Rank 84 of 211

Efficiency Ratio

65.01%

Rank 117 of 211

Equity / Assets

9.92%

Rank 140 of 211

Non-interest income vs. expense

$5.4M$22.8MINCOMEEXPENSE
Unfavorable gap of $17.5M · efficiency ratio beats 45% of banks under $1B in assets in TX
Bank 65.01%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.87%1.20%1.65%Beats 50%105 / 211
Return on Equity12.10%7.52%11.67%14.58%Beats 55%96 / 211
Net Interest Margin4.04%3.28%3.82%4.31%Beats 60%84 / 211
Efficiency Ratio65.01%53.01%64.18%73.65%Beats 45%117 / 211
Asset Quality
Nonperforming Loans / Loans0.10%0.01%0.30%1.10%Beats 63%78 / 208
Net Charge-Offs / Loans0.05%0.00%0.01%0.06%Beats 27%153 / 208
Capital
Tier 1 Capital Ratio12.91%11.72%14.45%19.57%Beats 40%126 / 211
Total Risk-Based Capital Ratio14.14%11.94%14.78%20.30%Beats 45%115 / 211
Equity / Assets9.92%9.41%11.06%12.94%Beats 34%140 / 211
Liquidity & Funding
Loans / Deposits78.21%45.39%66.56%82.03%69th pctl64 / 208
Loans / Assets69.58%39.13%56.90%70.46%74th pctl55 / 211
Brokered Deposits / Depositsn/aNot reported for this institution