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National Bank & Trust

La Grange, TX · Cert 3289 · First La Grange Bancshares Employee STK Ownership Plan With 401 K Provisions

National charter · OCC · 2 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

15

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

14

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

National Bank & Trust

La Grange, TX · Cert 3289 · First La Grange Bancshares Employee STK Ownership Plan With 401 K Provisions

National charter · OCC · 2 branches

Q2 2026

$242.0MAssets
$134.3MLoans
$203.5MDeposits
$20.6MEquity
Loan mix
95%RE $127.3M2%C&I $3.0M3%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $156.2M23%Noninterest $47.2MQ2 2025Q2 2026

NIM

4.00%Q2 ’244.42%Q2 ’254.65%Q2 ’26+30%+4%

Non-interest income vs. expense

2.12%Q2 ’242.39%Q2 ’252.44%Q2 ’26+14%+3%

Market Position · Corpus Christi, TX · 2026 SOD (annual) · 0.1% share · #16 of 16 inst. · $0.0B of $8.1B

10.8% Fayette
0.1% Nueces

Executive Summary

  • Earnings: ROA of 0.34%, up 6 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 0.17% of loans (-5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.83%, down 38 bps from a year ago.
  • Funding: loans stand at 66.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.34%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.61%+11 bps YoY

Efficiency Ratio (YTD, annualized)

82.71%-88 bps YoY

Tier 1 Leverage Ratio

10.83%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.36%0.41%0.30%0.34%+6 bps
Return on Equity3.32%4.26%4.86%3.55%3.97%+65 bps
Net Interest Margin2.50%2.64%2.60%2.51%2.61%+11 bps
Efficiency Ratio83.59%81.37%80.35%84.70%82.71%-88 bps
Non-Interest Burden2.04%2.08%2.02%2.07%2.10%+7 bps
Growth
Asset Growth (YoY)3.07%4.82%12.03%7.08%6.23%+316 bps
Loan Growth (YoY)10.82%9.24%11.27%4.03%1.87%-896 bps
Deposit Growth (YoY)5.53%6.03%7.79%10.09%9.68%+415 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.22%0.18%0.17%0.17%-5 bps
Net Charge-Offs / Loans-0.01%-0.01%0.03%-0.01%0.01%+1 bps
Allowance / Loans1.17%1.19%1.13%1.13%1.18%+1 bps
Allowance Coverage of NPLs5.3x5.5x6.2x6.5x6.9x+1.6x
Capital
Tier 1 Leverage Ratio11.21%11.77%11.34%10.88%10.83%-38 bps
Total Risk-Based Capital11.21%11.77%11.34%10.88%10.83%-38 bps
Equity / Assets7.77%8.60%8.55%8.40%8.53%+75 bps
Liquidity & Funding
Loans / Deposits71.06%68.98%67.59%66.53%66.00%-506 bps
Liquid Assets / Assets3.35%4.73%4.26%4.33%3.41%+6 bps
CRE / Total Capitaln/a273%281%292%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

National Bank & Trust

La Grange, TX · Cert 3289 · Peer group: banks under $1B in assets in TX (n=208-211) · First La Grange Bancshares Employee STK Ownership Plan With 401 K Provisions

National charter · OCC · 2 branches

Q2 2026

$242.0MAssets
$134.3MLoans
$203.5MDeposits
$20.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 60% of banks under $1B in assets in TX (rank 85 of 208).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets in TX (rank 199 of 211).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.34%

Rank 191 of 211

Net Interest Margin

2.61%

Rank 199 of 211

Efficiency Ratio

82.71%

Rank 182 of 211

Equity / Assets

8.53%

Rank 187 of 211

Non-interest income vs. expense

$0.9M$6.2MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 14% of banks under $1B in assets in TX
Bank 82.71%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.34%0.87%1.20%1.65%Beats 9%191 / 211
Return on Equity3.96%7.52%11.67%14.58%Beats 12%186 / 211
Net Interest Margin2.61%3.28%3.82%4.31%Beats 6%199 / 211
Efficiency Ratio82.71%53.01%64.18%73.65%Beats 14%182 / 211
Asset Quality
Nonperforming Loans / Loans0.17%0.01%0.30%1.10%Beats 58%89 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 60%85 / 208
Capital
Tier 1 Capital Ratio10.83%11.72%14.45%19.57%Beats 17%175 / 211
Total Risk-Based Capital Ratio10.83%11.94%14.78%20.30%Beats 17%176 / 211
Equity / Assets8.53%9.41%11.06%12.94%Beats 11%187 / 211
Liquidity & Funding
Loans / Deposits66.00%45.39%66.56%82.03%49th pctl107 / 208
Loans / Assets55.50%39.13%56.90%70.46%45th pctl117 / 211
Brokered Deposits / Depositsn/aNot reported for this institution