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First Texas Bank

Lampasas, TX · Cert 3293 · First Texas Bcorp Inc.

State charter, non-member · FDIC · 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

91

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

First Texas Bank

Lampasas, TX · Cert 3293 · First Texas Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (13 in holding)

Q2 2026

$259.7MAssets
$93.1MLoans
$232.4MDeposits
$25.4MEquity
Loan mix
92%RE $79.0M5%C&I $4.7M3%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
62%Interest-bearing $143.7M38%Noninterest $88.7MQ2 2025Q2 2026

NIM

4.02%Q2 ’244.31%Q2 ’254.40%Q2 ’26+6%+9%

Non-interest income vs. expense

1.90%Q2 ’241.73%Q2 ’251.67%Q2 ’26-11%-2%

Market Position · Killeen-Temple, TX · 2026 SOD (annual) · 3.3% share · #9 of 23 inst. · $0.2B of $7.0B

Executive Summary

  • Earnings: ROA of 1.90%, up 30 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 10.14%, up 29 bps from a year ago.
  • Funding: loans stand at 40.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.90%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+29 bps YoY

Efficiency Ratio (YTD, annualized)

42.26%-458 bps YoY

Tier 1 Leverage Ratio

10.14%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.75%1.78%1.88%1.90%+30 bps
Return on Equity16.63%18.11%18.19%18.52%18.99%+236 bps
Net Interest Margin3.25%3.20%3.37%3.54%3.53%+29 bps
Efficiency Ratio46.84%43.96%43.16%43.36%42.26%-458 bps
Non-Interest Burden1.28%1.17%1.21%1.30%1.26%-3 bps
Growth
Asset Growth (YoY)13.69%11.94%3.34%10.12%8.60%-509 bps
Loan Growth (YoY)-0.35%-2.55%5.14%1.16%6.34%+670 bps
Deposit Growth (YoY)14.33%12.23%2.47%10.05%8.40%-593 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.09%-0.09%-0.09%-0.09%-0.09%0 bps
Allowance / Loans0.48%0.49%0.54%0.51%0.45%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.85%9.47%10.05%10.16%10.14%+29 bps
Total Risk-Based Capital22.15%24.45%23.60%24.07%23.63%+149 bps
Equity / Assets9.58%9.81%10.25%10.01%9.80%+22 bps
Liquidity & Funding
Loans / Deposits40.81%40.66%42.11%39.18%40.04%-77 bps
Liquid Assets / Assets55.04%55.13%54.10%57.05%56.20%+116 bps
CRE / Total Capitaln/a168.12%172.72%169.50%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

First Texas Bank

Lampasas, TX · Cert 3293 · Peer group: banks under $1B in assets in TX (n=208-211) · First Texas Bcorp Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (13 in holding)

Q2 2026

$259.7MAssets
$93.1MLoans
$232.4MDeposits
$25.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: equity / assets trails 70% of banks under $1B in assets in TX (rank 148 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.82%

Rank 29 of 211

Net Interest Margin

3.53%

Rank 133 of 211

Efficiency Ratio

42.26%

Rank 20 of 211

Equity / Assets

9.80%

Rank 148 of 211

Non-interest income vs. expense

$1.0M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 91% of banks under $1B in assets in TX
Bank 42.26%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.82%0.87%1.20%1.65%Beats 86%29 / 211
Return on Equity18.61%7.52%11.67%14.58%Beats 92%17 / 211
Net Interest Margin3.53%3.28%3.82%4.31%Beats 37%133 / 211
Efficiency Ratio42.26%53.01%64.18%73.65%Beats 91%20 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio23.25%11.72%14.45%19.57%Beats 82%37 / 211
Total Risk-Based Capital Ratio23.63%11.94%14.78%20.30%Beats 82%38 / 211
Equity / Assets9.80%9.41%11.06%12.94%Beats 30%148 / 211
Liquidity & Funding
Loans / Deposits40.04%45.39%66.56%82.03%18th pctl171 / 208
Loans / Assets35.83%39.13%56.90%70.46%18th pctl172 / 211
Brokered Deposits / Depositsn/aNot reported for this institution