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Texana Bank, National Association

Linden, TX · Cert 3302 · Linden Bancshares Inc.

National charter · OCC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

11

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

Texana Bank, National Association

Linden, TX · Cert 3302 · Linden Bancshares Inc.

National charter · OCC · 7 branches

Q2 2026

$330.6MAssets
$303.7MLoans
$291.1MDeposits
$29.9MEquity
Loan mix
84%RE $257.1M16%C&I $48.2M1%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $216.3M26%Noninterest $74.8MQ2 2025Q2 2026

NIM

5.72%Q2 ’245.93%Q2 ’255.99%Q2 ’260%+6%

Non-interest income vs. expense

10.41%Q2 ’2420.17%Q2 ’2523.65%Q2 ’26-6%+5%

Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 4.9% share · #9 of 19 inst. · $0.2B of $3.1B

29.3% Cass
4.2% Bowie
7.4% Miller
0.5% Gregg

Executive Summary

  • Earnings: ROA of 1.30%, up 11 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 1.36% of loans (+125 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.06%, up 9 bps from a year ago.
  • Funding: loans stand at 104.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+22 bps YoY

Efficiency Ratio (YTD, annualized)

92.37%+64 bps YoY

Tier 1 Leverage Ratio

9.06%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.31%1.54%1.19%1.30%+11 bps
Return on Equity14.03%15.22%17.97%14.10%15.14%+112 bps
Net Interest Margin3.75%3.72%3.66%3.89%3.97%+22 bps
Efficiency Ratio91.73%91.85%91.19%93.25%92.37%+64 bps
Non-Interest Burden1.93%1.79%1.48%2.05%2.02%+9 bps
Growth
Asset Growth (YoY)0.72%-2.74%15.82%17.56%6.41%+569 bps
Loan Growth (YoY)4.85%-0.84%18.53%19.70%6.57%+172 bps
Deposit Growth (YoY)5.88%3.56%2.35%13.05%13.96%+808 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.45%0.53%1.51%1.36%+125 bps
Net Charge-Offs / Loans0.01%0.12%0.13%-0.05%-0.02%-3 bps
Allowance / Loans1.18%1.18%1.06%1.08%1.22%+4 bps
Allowance Coverage of NPLs10.5x2.6x2.0x0.7x0.9x-9.6x
Capital
Tier 1 Leverage Ratio8.97%8.97%9.08%9.02%9.06%+9 bps
Total Risk-Based Capital12.25%11.81%11.59%11.56%9.06%-319 bps
Equity / Assets8.41%8.83%8.43%8.41%9.03%+62 bps
Liquidity & Funding
Loans / Deposits111.59%109.46%122.71%117.03%104.36%-723 bps
Liquid Assets / Assets0.01%0.18%0.16%0.00%0.49%+49 bps
CRE / Total Capitaln/a332%315%315%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

Texana Bank, National Association

Linden, TX · Cert 3302 · Peer group: banks under $1B in assets (n=581-629) · Linden Bancshares Inc.

National charter · OCC · 7 branches

Q2 2026

$330.6MAssets
$303.7MLoans
$291.1MDeposits
$29.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 83% of banks under $1B in assets (rank 106 of 629).
  • Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets (rank 615 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.35%

Rank 186 of 629

Net Interest Margin

3.97%

Rank 177 of 629

Efficiency Ratio

92.37%

Rank 562 of 629

Equity / Assets

9.03%

Rank 477 of 629

Non-interest income vs. expense

$71.5M$78.1MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 11% of banks under $1B in assets
Bank 92.37%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.60%1.01%1.45%Beats 70%186 / 629
Return on Equity14.91%5.38%9.30%13.28%Beats 83%106 / 629
Net Interest Margin3.97%3.03%3.54%4.05%Beats 72%177 / 629
Efficiency Ratio92.37%58.35%67.79%79.08%Beats 11%562 / 629
Asset Quality
Nonperforming Loans / Loans1.36%0.09%0.46%1.20%Beats 21%458 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 47%313 / 581
Capital
Tier 1 Capital Ratio9.06%11.24%13.84%18.77%Beats 2%615 / 629
Total Risk-Based Capital Ratio9.06%11.58%14.43%19.66%Beats 2%615 / 629
Equity / Assets9.03%9.09%10.65%13.80%Beats 24%477 / 629
Liquidity & Funding
Loans / Deposits104.36%67.24%80.90%93.48%91st pctl52 / 594
Loans / Assets91.88%53.31%67.71%78.15%100th pctl3 / 629
Brokered Deposits / Depositsn/aNot reported for this institution