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First National Bank of Central Texas

Waco, TX · Cert 3325 · 2013 Monte Hulse Family Irrevocable Tr I

National charter · OCC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

92

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 National Bank of Central Texas

Waco, TX · Cert 3325 · 2013 Monte Hulse Family Irrevocable Tr I

National charter · OCC · 7 branches

Q2 2026

$1.8BAssets
$1.4BLoans
$1.6BDeposits
$191.2MEquity
Loan mix
86%RE $1.0B13%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $1.2B26%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.49%Q2 ’245.43%Q2 ’255.30%Q2 ’26+7%+2%

Non-interest income vs. expense

1.65%Q2 ’241.87%Q2 ’251.91%Q2 ’26+20%-1%

Market Position · Waco, TX · 2026 SOD (annual) · 14.5% share · #1 of 28 inst. · $1.3B of $8.9B

15.5% McLennan
17.5% Hill
8.5% Coryell
0.5% Brazos

Executive Summary

  • Earnings: ROA of 2.01%, up 8 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.10% of loans (-3 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.83%, down 78 bps from a year ago.
  • Funding: loans stand at 88.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.01%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+9 bps YoY

Efficiency Ratio (YTD, annualized)

43.55%-39 bps YoY

Tier 1 Leverage Ratio

10.83%-78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%1.96%2.01%2.00%2.01%+8 bps
Return on Equity16.58%16.88%17.23%17.29%17.74%+116 bps
Net Interest Margin3.83%3.85%3.78%3.93%3.92%+9 bps
Efficiency Ratio43.94%43.51%42.69%43.79%43.55%-39 bps
Non-Interest Burden1.45%1.44%1.38%1.45%1.44%-1 bps
Growth
Asset Growth (YoY)-1.32%2.04%3.25%10.08%12.85%+1,417 bps
Loan Growth (YoY)4.60%7.93%9.82%9.82%13.03%+844 bps
Deposit Growth (YoY)3.89%1.37%2.86%10.77%13.48%+959 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.12%0.13%0.07%0.10%-3 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.03%0.01%+2 bps
Allowance / Loans1.24%1.23%1.24%1.20%1.20%-4 bps
Allowance Coverage of NPLs9.6x9.9x9.8x17.2x12.3x+2.8x
Capital
Tier 1 Leverage Ratio11.61%11.69%11.24%11.38%10.83%-78 bps
Total Risk-Based Capital17.17%17.23%16.53%16.27%15.80%-137 bps
Equity / Assets11.56%11.69%11.80%11.38%10.77%-79 bps
Liquidity & Funding
Loans / Deposits89.22%88.49%93.46%90.32%88.86%-35 bps
Liquid Assets / Assets11.89%13.13%8.91%11.30%13.05%+115 bps
CRE / Total Capitaln/a302%319%317%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 National Bank of Central Texas

Waco, TX · Cert 3325 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 2013 Monte Hulse Family Irrevocable Tr I

National charter · OCC · 7 branches

Q2 2026

$1.8BAssets
$1.4BLoans
$1.6BDeposits
$191.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of banks $1B-$10B in assets operating in a single state (rank 21 of 257).
  • Widest gap: equity / assets trails 42% of banks $1B-$10B in assets operating in a single state (rank 108 of 258).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.91%

Rank 23 of 258

Net Interest Margin

3.92%

Rank 58 of 258

Efficiency Ratio

43.55%

Rank 21 of 257

Equity / Assets

10.77%

Rank 108 of 258

Non-interest income vs. expense

$8.6M$34.7MINCOMEEXPENSE
Unfavorable gap of $26.1M · efficiency ratio beats 92% of banks $1B-$10B in assets operating in a single state
Bank 43.55%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.91%0.93%1.23%1.54%Beats 91%23 / 258
Return on Equity17.75%9.26%11.84%14.74%Beats 90%25 / 258
Net Interest Margin3.92%3.16%3.49%3.88%Beats 78%58 / 258
Efficiency Ratio43.55%51.71%60.30%69.65%Beats 92%21 / 257
Asset Quality
Nonperforming Loans / Loans0.10%0.19%0.46%0.90%Beats 87%34 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 71%76 / 258
Capital
Tier 1 Capital Ratio14.55%11.41%12.98%15.12%Beats 71%75 / 258
Total Risk-Based Capital Ratio15.80%12.10%13.91%16.08%Beats 73%70 / 258
Equity / Assets10.77%9.09%10.24%11.72%Beats 58%108 / 258
Liquidity & Funding
Loans / Deposits88.86%73.24%86.34%95.95%59th pctl107 / 258
Loans / Assets77.68%63.01%72.27%78.40%70th pctl78 / 258
Brokered Deposits / Depositsn/aNot reported for this institution