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Mason Bank

Mason, TX · Cert 3327 · Mason Bk Emp STK Ownership PLAN&TR

State charter, Fed member · FED · 1 branch

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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

16

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

70

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

Mason Bank

Mason, TX · Cert 3327 · Mason Bk Emp STK Ownership PLAN&TR

State charter, Fed member · FED · 1 branch

Q2 2026

$147.5MAssets
$69.6MLoans
$122.3MDeposits
$23.3MEquity
Loan mix
51%RE $31.6M19%C&I $11.7M30%Consumer $18.4MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $80.9M34%Noninterest $41.4MQ2 2025Q2 2026

NIM

4.65%Q2 ’244.88%Q2 ’254.91%Q2 ’26+12%+8%

Non-interest income vs. expense

2.21%Q2 ’242.37%Q2 ’252.40%Q2 ’26+7%+2%

Executive Summary

  • Earnings: ROA of 1.21%, up 8 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 2.45% of loans (-96 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 19.86%, down 67 bps from a year ago.
  • Funding: loans stand at 56.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+32 bps YoY

Efficiency Ratio (YTD, annualized)

55.30%-340 bps YoY

Tier 1 Leverage Ratio

19.86%-67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.17%1.17%1.22%1.21%+8 bps
Return on Equity7.85%7.87%7.73%7.73%7.64%-21 bps
Net Interest Margin3.76%3.78%3.81%4.08%4.08%+32 bps
Efficiency Ratio58.70%57.68%58.92%54.95%55.30%-340 bps
Non-Interest Burden2.09%2.07%2.14%2.13%2.14%+5 bps
Growth
Asset Growth (YoY)-2.51%0.15%3.23%9.89%7.30%+981 bps
Loan Growth (YoY)-0.51%-1.90%2.63%3.15%5.29%+581 bps
Deposit Growth (YoY)-1.29%1.26%-0.10%11.05%5.22%+651 bps
Asset Quality
Nonperforming Loans / Loans3.41%3.75%2.88%3.57%2.45%-96 bps
Net Charge-Offs / Loans0.51%0.36%0.41%0.00%0.14%-37 bps
Allowance / Loans1.42%1.52%1.43%1.65%1.77%+35 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.5x0.7x+0.3x
Capital
Tier 1 Leverage Ratio20.53%20.64%20.05%19.63%19.86%-67 bps
Total Risk-Based Capital20.53%20.64%20.05%19.63%19.86%-67 bps
Equity / Assets15.12%16.17%16.06%15.52%15.82%+70 bps
Liquidity & Funding
Loans / Deposits56.86%55.80%56.74%53.76%56.90%+4 bps
Liquid Assets / Assets3.56%4.85%4.89%6.21%4.49%+93 bps
CRE / Total Capitaln/a30.62%40.88%40.02%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

Mason Bank

Mason, TX · Cert 3327 · Peer group: banks under $1B in assets in TX (n=208-211) · Mason Bk Emp STK Ownership PLAN&TR

State charter, Fed member · FED · 1 branch

Q2 2026

$147.5MAssets
$69.6MLoans
$122.3MDeposits
$23.3MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 88% of banks under $1B in assets in TX (rank 25 of 211).
  • Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets in TX (rank 189 of 208).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.21%

Rank 104 of 211

Net Interest Margin

4.08%

Rank 79 of 211

Efficiency Ratio

55.30%

Rank 64 of 211

Equity / Assets

15.82%

Rank 25 of 211

Non-interest income vs. expense

$0.4M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 70% of banks under $1B in assets in TX
Bank 55.30%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.87%1.20%1.65%Beats 51%104 / 211
Return on Equity7.63%7.52%11.67%14.58%Beats 27%155 / 211
Net Interest Margin4.08%3.28%3.82%4.31%Beats 63%79 / 211
Efficiency Ratio55.30%53.01%64.18%73.65%Beats 70%64 / 211
Asset Quality
Nonperforming Loans / Loans2.45%0.01%0.30%1.10%Beats 10%189 / 208
Net Charge-Offs / Loans0.08%0.00%0.01%0.06%Beats 22%164 / 208
Capital
Tier 1 Capital Ratio19.86%11.72%14.45%19.57%Beats 75%52 / 211
Total Risk-Based Capital Ratio19.86%11.94%14.78%20.30%Beats 74%55 / 211
Equity / Assets15.82%9.41%11.06%12.94%Beats 88%25 / 211
Liquidity & Funding
Loans / Deposits56.90%45.39%66.56%82.03%34th pctl137 / 208
Loans / Assets47.17%39.13%56.90%70.46%31st pctl145 / 211
Brokered Deposits / Depositsn/aNot reported for this institution