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

Unfavorable gap of $5.3M · efficiency ratio beats 14% of banks under $1B in assets in TX

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.34%	0.87%	1.20%	1.65%	Beats 9%	191 / 211
Return on Equity	3.96%	7.52%	11.67%	14.58%	Beats 12%	186 / 211
Net Interest Margin	2.61%	3.28%	3.82%	4.31%	Beats 6%	199 / 211
Efficiency Ratio	82.71%	53.01%	64.18%	73.65%	Beats 14%	182 / 211
Asset Quality
Nonperforming Loans / Loans	0.17%	0.01%	0.30%	1.10%	Beats 58%	89 / 208
Net Charge-Offs / Loans	0.01%	0.00%	0.01%	0.06%	Beats 60%	85 / 208
Capital
Tier 1 Capital Ratio	10.83%	11.72%	14.45%	19.57%	Beats 17%	175 / 211
Total Risk-Based Capital Ratio	10.83%	11.94%	14.78%	20.30%	Beats 17%	176 / 211
Equity / Assets	8.53%	9.41%	11.06%	12.94%	Beats 11%	187 / 211
Liquidity & Funding
Loans / Deposits	66.00%	45.39%	66.56%	82.03%	49th pctl	107 / 208
Loans / Assets	55.50%	39.13%	56.90%	70.46%	45th pctl	117 / 211
Brokered Deposits / Deposits	n/a	Not reported for this institution