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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

4.11%Q2 ’244.37%Q2 ’254.49%Q2 ’26+12%+8%

Non-interest income vs. expense

1.91%Q2 ’241.71%Q2 ’251.66%Q2 ’26-15%+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 1.93%, up 20 bps year over year; NIM at 3.62%.
  • 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 (quarter, annualized)

1.93%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.62%+26 bps YoY

Efficiency Ratio (quarter, annualized)

41.22%-335 bps YoY

Tier 1 Leverage Ratio

10.14%+29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.73%2.03%1.85%1.88%1.93%+20 bps
Return on Equity17.75%20.98%18.41%18.52%19.46%+171 bps
Net Interest Margin3.36%3.54%3.57%3.54%3.62%+26 bps
Efficiency Ratio44.57%38.99%40.92%43.36%41.22%-335 bps
Non-Interest Burden1.23%1.11%1.21%1.30%1.25%+2 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%-0.10%-0.08%-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