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Bank19

Memphis, TX · Cert 3335

State charter, non-member · FDIC · 3 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

91

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

44

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

Bank19

Memphis, TX · Cert 3335

State charter, non-member · FDIC · 3 branches

Q2 2026

$147.8MAssets
$76.5MLoans
$121.8MDeposits
$25.7MEquity
Loan mix
97%RE $60.2M2%C&I $1.0M1%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
40%Interest-bearing $48.5M60%Noninterest $73.3MQ2 2025Q2 2026

NIM

6.47%Q2 ’246.44%Q2 ’255.23%Q2 ’26+6%-2%

Non-interest income vs. expense

2.15%Q2 ’242.93%Q2 ’252.89%Q2 ’26+41%-1%

Market Position · Colorado Springs, CO · 2026 SOD (annual) · 0.5% share · #33 of 41 inst. · $0.1B of $10.7B

65.5% Hall
0.5% El Paso
0.0% Potter

Executive Summary

  • Earnings: ROA of 1.26%, up 12 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.33%, down 1,202 bps from a year ago.
  • Funding: loans stand at 62.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.36%-11 bps YoY

Efficiency Ratio (YTD, annualized)

59.70%-703 bps YoY

Tier 1 Leverage Ratio

15.33%-1,202 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.62%1.35%1.06%1.26%+12 bps
Return on Equity6.31%9.06%7.53%6.00%7.17%+85 bps
Net Interest Margin4.46%3.00%2.15%4.15%4.36%-11 bps
Efficiency Ratio66.73%53.18%42.88%62.50%59.70%-703 bps
Non-Interest Burden2.74%1.51%0.88%2.73%2.72%-2 bps
Growth
Asset Growth (YoY)18.84%108.97%99.62%101.91%72.33%+5,349 bps
Loan Growth (YoY)-6.99%0.56%22.03%58.99%70.90%+7,789 bps
Deposit Growth (YoY)8.15%104.18%90.87%94.31%94.63%+8,648 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.38%1.02%0.85%0.69%0.63%-76 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio27.36%15.92%15.44%15.36%15.33%-1,202 bps
Total Risk-Based Capital43.33%35.03%32.97%31.99%33.97%-936 bps
Equity / Assets26.78%17.47%18.30%17.13%17.41%-937 bps
Liquidity & Funding
Loans / Deposits71.56%42.09%51.53%57.85%62.83%-872 bps
Liquid Assets / Assets16.88%0.10%0.10%22.17%37.18%+2,030 bps
CRE / Total Capitaln/a126.13%148.02%152.60%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

Bank19

Memphis, TX · Cert 3335 · Peer group: banks under $1B in assets in TX (n=208-211)

State charter, non-member · FDIC · 3 branches

Q2 2026

$147.8MAssets
$76.5MLoans
$121.8MDeposits
$25.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: return on equity trails 77% of banks under $1B in assets in TX (rank 162 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.22%

Rank 101 of 211

Net Interest Margin

4.36%

Rank 49 of 211

Efficiency Ratio

65.19%

Rank 119 of 211

Equity / Assets

17.41%

Rank 16 of 211

Non-interest income vs. expense

$0.3M$4.3MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 44% of banks under $1B in assets in TX
Bank 65.19%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.22%0.87%1.20%1.65%Beats 52%101 / 211
Return on Equity7.00%7.52%11.67%14.58%Beats 23%162 / 211
Net Interest Margin4.36%3.28%3.82%4.31%Beats 77%49 / 211
Efficiency Ratio65.19%53.01%64.18%73.65%Beats 44%119 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio33.25%11.72%14.45%19.57%Beats 91%18 / 211
Total Risk-Based Capital Ratio33.97%11.94%14.78%20.30%Beats 91%19 / 211
Equity / Assets17.41%9.41%11.06%12.94%Beats 92%16 / 211
Liquidity & Funding
Loans / Deposits62.83%45.39%66.56%82.03%41st pctl123 / 208
Loans / Assets51.79%39.13%56.90%70.46%37th pctl133 / 211
Brokered Deposits / Depositsn/aNot reported for this institution