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First National Bank

Rotan, TX · Cert 34455 · Rotan Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$96.5MAssets
$40.5MLoans
$90.4MDeposits
$5.8MEquity
Loan mix
51%RE $8.9M35%C&I $6.2M14%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $73.2M19%Noninterest $17.2MQ2 2025Q2 2026

NIM

4.82%Q2 ’244.38%Q2 ’254.39%Q2 ’26-13%+9%

Non-interest income vs. expense

2.90%Q2 ’242.73%Q2 ’252.63%Q2 ’26-2%-2%

Executive Summary

  • Earnings: ROA of 0.58%, up 18 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 3.09% of loans (+292 bps YoY), with net recoveries of 0.42%.
  • Capital: tier 1 leverage ratio of 9.71%, down 40 bps from a year ago.
  • Funding: loans stand at 44.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.58%+18 bps YoY

Net Interest Margin (quarter, annualized)

2.96%+25 bps YoY

Efficiency Ratio (quarter, annualized)

79.03%-798 bps YoY

Tier 1 Leverage Ratio

9.71%-40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.55%0.28%0.54%0.58%+18 bps
Return on Equity10.65%11.45%4.95%9.25%9.65%-100 bps
Net Interest Margin2.71%2.85%2.54%2.89%2.96%+25 bps
Efficiency Ratio87.02%73.80%88.58%79.98%79.03%-798 bps
Non-Interest Burden2.30%1.92%2.21%2.24%2.27%-4 bps
Growth
Asset Growth (YoY)-1.23%7.54%3.89%4.09%12.81%+1,403 bps
Loan Growth (YoY)-7.88%1.28%-0.28%-0.91%16.78%+2,466 bps
Deposit Growth (YoY)-2.74%6.56%2.58%1.21%10.78%+1,352 bps
Asset Quality
Nonperforming Loans / Loans0.17%2.31%2.14%3.40%3.09%+292 bps
Net Charge-Offs / Loans-0.27%-0.35%-0.14%-0.21%-0.42%-16 bps
Allowance / Loans2.43%2.32%2.10%2.33%2.30%-13 bps
Allowance Coverage of NPLs14.5x1.0x1.0x0.7x0.7x-13.8x
Capital
Tier 1 Leverage Ratio10.11%10.09%9.81%9.68%9.71%-40 bps
Total Risk-Based Capital23.63%23.09%21.40%21.30%22.79%-84 bps
Equity / Assets4.24%5.36%5.82%5.89%6.04%+181 bps
Liquidity & Funding
Loans / Deposits42.51%41.93%46.89%41.64%44.81%+230 bps
Liquid Assets / Assets0.31%0.31%0.59%0.61%0.32%+1 bps
CRE / Total Capitaln/a32.28%35.09%39.16%n/an/a