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Texas National Bank

Sweetwater, TX · Cert 34014 · Mesa Financial 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

8

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

Texas National Bank

Sweetwater, TX · Cert 34014 · Mesa Financial Corp.

National charter · OCC · 2 branches

Q2 2026

$139.1MAssets
$43.0MLoans
$128.1MDeposits
$10.3MEquity
Loan mix
69%RE $23.4M25%C&I $8.5M5%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $81.2M37%Noninterest $46.9MQ2 2025Q2 2026

NIM

3.60%Q2 ’243.36%Q2 ’253.48%Q2 ’26+28%+17%

Non-interest income vs. expense

2.25%Q2 ’242.72%Q2 ’252.92%Q2 ’26+23%+10%

Market Position · Abilene, TX · 2026 SOD (annual) · 0.8% share · #13 of 18 inst. · $0.0B of $5.5B

15.8% Nolan
0.9% Taylor

Executive Summary

  • Earnings: ROA of 0.30%, up 9 bps year over year; NIM at 2.67%.
  • 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 10.97%, up 3 bps from a year ago.
  • Funding: loans stand at 33.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.67%+38 bps YoY

Efficiency Ratio (YTD, annualized)

88.98%-435 bps YoY

Tier 1 Leverage Ratio

10.97%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.42%0.44%0.27%0.30%+9 bps
Return on Equity4.33%7.69%7.55%3.84%4.16%-17 bps
Net Interest Margin2.29%2.32%2.43%2.58%2.67%+38 bps
Efficiency Ratio93.33%83.09%82.63%89.51%88.98%-435 bps
Non-Interest Burden2.09%1.81%1.88%2.24%2.30%+21 bps
Growth
Asset Growth (YoY)-5.76%-4.92%-2.20%0.61%0.70%+646 bps
Loan Growth (YoY)-8.28%-4.62%-3.38%7.06%18.31%+2,659 bps
Deposit Growth (YoY)3.50%3.10%1.38%-1.22%-1.40%-489 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%-0.03%0.00%+2 bps
Allowance / Loans1.65%1.64%1.64%1.61%1.40%-25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.94%11.00%11.05%11.00%10.97%+3 bps
Total Risk-Based Capital28.46%29.74%29.42%29.52%25.99%-247 bps
Equity / Assets5.38%7.02%7.34%6.89%7.37%+199 bps
Liquidity & Funding
Loans / Deposits27.98%28.17%28.46%28.64%33.57%+559 bps
Liquid Assets / Assets5.78%6.05%6.58%7.69%2.93%-285 bps
CRE / Total Capitaln/a27.71%27.46%37.64%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

Texas National Bank

Sweetwater, TX · Cert 34014 · Peer group: banks under $1B in assets in TX (n=208-211) · Mesa Financial Corp.

National charter · OCC · 2 branches

Q2 2026

$139.1MAssets
$43.0MLoans
$128.1MDeposits
$10.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: equity / assets trails 94% of banks under $1B in assets in TX (rank 198 of 211).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.30%

Rank 194 of 211

Net Interest Margin

2.67%

Rank 196 of 211

Efficiency Ratio

88.98%

Rank 195 of 211

Equity / Assets

7.37%

Rank 198 of 211

Non-interest income vs. expense

$0.9M$4.3MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 8% of banks under $1B in assets in TX
Bank 88.98%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.87%1.20%1.65%Beats 8%194 / 211
Return on Equity4.09%7.52%11.67%14.58%Beats 12%185 / 211
Net Interest Margin2.67%3.28%3.82%4.31%Beats 7%196 / 211
Efficiency Ratio88.98%53.01%64.18%73.65%Beats 8%195 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 53%98 / 208
Capital
Tier 1 Capital Ratio25.05%11.72%14.45%19.57%Beats 84%34 / 211
Total Risk-Based Capital Ratio25.99%11.94%14.78%20.30%Beats 84%33 / 211
Equity / Assets7.37%9.41%11.06%12.94%Beats 6%198 / 211
Liquidity & Funding
Loans / Deposits33.57%45.39%66.56%82.03%12th pctl183 / 208
Loans / Assets30.91%39.13%56.90%70.46%13th pctl183 / 211
Brokered Deposits / Depositsn/aNot reported for this institution