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Big Bend Banks, N.A. Dba Marfa National Bank, The

Marfa, TX · Cert 3320 · Big Bend Bancshares Corp.

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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

49

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

Big Bend Banks, N.A. Dba Marfa National Bank, The

Marfa, TX · Cert 3320 · Big Bend Bancshares Corp.

National charter · OCC · 2 branches

Q2 2026

$165.4MAssets
$21.7MLoans
$140.9MDeposits
$24.3MEquity
Loan mix
70%RE $14.7M11%C&I $2.3M19%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
51%Interest-bearing $72.0M49%Noninterest $68.9MQ2 2025Q2 2026

NIM

3.59%Q2 ’243.56%Q2 ’253.74%Q2 ’26-3%+8%

Non-interest income vs. expense

2.71%Q2 ’242.72%Q2 ’252.83%Q2 ’26+29%+6%

Executive Summary

  • Earnings: ROA of 1.27%, up 15 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.00% of loans (-22 bps YoY), with net charge-offs at 0.37%.
  • Capital: tier 1 leverage ratio of 16.23%, up 110 bps from a year ago.
  • Funding: loans stand at 15.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+26 bps YoY

Efficiency Ratio (YTD, annualized)

64.45%-133 bps YoY

Tier 1 Leverage Ratio

16.23%+110 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.15%1.23%1.25%1.27%+15 bps
Return on Equity9.21%9.16%9.58%9.06%9.01%-20 bps
Net Interest Margin3.27%3.30%3.27%3.35%3.53%+26 bps
Efficiency Ratio65.78%65.16%63.07%62.15%64.45%-133 bps
Non-Interest Burden1.85%1.86%1.75%1.78%1.97%+11 bps
Growth
Asset Growth (YoY)3.47%4.43%8.42%6.18%2.22%-125 bps
Loan Growth (YoY)-10.25%-8.12%0.38%4.00%7.40%+1,765 bps
Deposit Growth (YoY)2.12%3.12%5.98%4.39%-0.63%-276 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.00%0.00%0.00%0.00%-22 bps
Net Charge-Offs / Loans0.05%0.19%0.15%0.95%0.37%+32 bps
Allowance / Loans3.28%3.06%2.99%2.68%2.70%-58 bps
Allowance Coverage of NPLs14.7xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.12%15.24%15.26%15.25%16.23%+110 bps
Total Risk-Based Capital29.27%15.24%15.26%15.25%16.23%-1,304 bps
Equity / Assets12.22%13.74%13.83%13.85%14.68%+245 bps
Liquidity & Funding
Loans / Deposits14.23%14.81%14.59%15.00%15.39%+115 bps
Liquid Assets / Assets16.32%17.19%18.26%18.71%8.79%-753 bps
CRE / Total Capitaln/a32.70%36.04%36.49%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

Big Bend Banks, N.A. Dba Marfa National Bank, The

Marfa, TX · Cert 3320 · Peer group: banks under $1B in assets in TX (n=208-211) · Big Bend Bancshares Corp.

National charter · OCC · 2 branches

Q2 2026

$165.4MAssets
$21.7MLoans
$140.9MDeposits
$24.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in TX (rank 196 of 208).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.28%

Rank 91 of 211

Net Interest Margin

3.53%

Rank 135 of 211

Efficiency Ratio

64.45%

Rank 108 of 211

Equity / Assets

14.68%

Rank 31 of 211

Non-interest income vs. expense

$1.4M$4.6MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 49% of banks under $1B in assets in TX
Bank 64.45%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.87%1.20%1.65%Beats 57%91 / 211
Return on Equity8.75%7.52%11.67%14.58%Beats 36%136 / 211
Net Interest Margin3.53%3.28%3.82%4.31%Beats 36%135 / 211
Efficiency Ratio64.45%53.01%64.18%73.65%Beats 49%108 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.24%0.00%0.01%0.06%Beats 6%196 / 208
Capital
Tier 1 Capital Ratio16.23%11.72%14.45%19.57%Beats 61%82 / 211
Total Risk-Based Capital Ratio16.23%11.94%14.78%20.30%Beats 58%89 / 211
Equity / Assets14.68%9.41%11.06%12.94%Beats 85%31 / 211
Liquidity & Funding
Loans / Deposits15.39%45.39%66.56%82.03%1st pctl205 / 208
Loans / Assets13.10%39.13%56.90%70.46%3rd pctl204 / 211
Brokered Deposits / Depositsn/aNot reported for this institution