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Keystone Bank, SSB

Bee Cave, TX · Cert 34456

FDIC · 3 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 (n=284 to 290). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q4 2025

Capital

37

Q2 2024Q4 2025Peer median (50)

Asset Quality

85

Q2 2024Q4 2025Peer median (50)

Profitability

31

Q2 2024Q4 2025Peer median (50)

Liquidity

51

Q2 2024Q4 2025Peer median (100)

Efficiency

56

Q2 2024Q4 2025Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Keystone Bank, SSB

Bee Cave, TX · Cert 34456

FDIC · 3 branches

Q4 2025

$1.0BAssets
$814.9MLoans
$864.9MDeposits
$103.7MEquity
Loan mix
81%RE $657.0M19%C&I $154.8M0%Consumer $1.0MQ1 2024Q4 2025
Deposit mix
82%Interest-bearing $712.8M18%Noninterest $152.0MQ1 2024Q4 2025

Market Position · Austin-Round Rock-San Marcos, TX · 2025 SOD (annual) · 1.1% share · #16 of 76 inst. · $0.8B of $69.6B

1.5% Travis
21.5% Runnels

Executive Summary

  • Earnings: ROA of 0.73%, down 6 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.11% of loans (+11 bps YoY), with net charge-offs at 0.60%.
  • Capital: tier 1 leverage ratio of 9.41%, down 47 bps from a year ago.
  • Funding: loans stand at 94.22% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

0.73%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+27 bps YoY

Efficiency Ratio (YTD, annualized)

58.60%-686 bps YoY

Tier 1 Leverage Ratio

9.41%-47 bps YoY

NIM

5.41%Q4 ’236.12%Q4 ’245.98%Q4 ’25+2%+9%

Non-interest income vs. expense

2.00%Q4 ’232.13%Q4 ’242.05%Q4 ’25+4%-3%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.77%0.78%0.79%0.79%0.95%0.97%1.01%0.73%-6 bps
Return on Equity7.77%7.86%7.94%7.92%9.64%9.89%10.22%7.35%-57 bps
Net Interest Margin3.07%3.02%3.00%3.08%3.38%3.41%3.36%3.35%+27 bps
Efficiency Ratio64.78%64.16%65.35%65.46%62.44%60.99%60.47%58.60%-686 bps
Non-Interest Burden1.94%1.90%1.92%1.97%2.08%2.03%2.00%1.92%-5 bps
Growth
Asset Growth (YoY)17.51%18.19%13.86%10.49%10.86%10.07%12.68%8.35%-214 bps
Loan Growth (YoY)10.44%14.63%11.54%11.90%8.86%9.43%14.03%5.78%-612 bps
Deposit Growth (YoY)10.77%13.49%9.14%6.94%13.75%12.66%13.79%8.80%+186 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.50%0.01%0.01%0.02%0.10%0.11%0.11%+11 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.01%0.00%0.00%0.00%0.60%+60 bps
Allowance / Loans0.90%0.91%0.93%0.93%0.92%0.94%0.94%0.96%+4 bps
Allowance Coverage of NPLs1.7x1.8x152.8x123.0x40.5x9.0x8.3x8.4x-114.6x
Capital
Tier 1 Leverage Ratio10.14%9.73%9.70%9.88%9.75%9.75%9.61%9.41%-47 bps
Total Risk-Based Capital13.00%12.90%13.19%12.83%12.75%12.60%12.59%12.96%+13 bps
Equity / Assets9.66%9.79%10.07%10.07%9.63%9.83%9.84%10.19%+12 bps
Liquidity & Funding
Loans / Deposits95.07%97.62%93.75%96.91%90.98%94.82%93.95%94.22%-269 bps
Liquid Assets / Assets8.48%6.29%8.54%6.48%12.24%9.27%10.24%9.82%+333 bps
CRE / Total Capitaln/an/an/an/an/an/a497%481%n/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 2026-10-12

Keystone Bank, SSB

Bee Cave, TX · Cert 34456 · Peer group: banks $1B-$10B in assets (n=284-290)

FDIC · 3 branches

Q4 2025

$1.0BAssets
$814.9MLoans
$864.9MDeposits
$103.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks $1B-$10B in assets (rank 43 of 284).
  • Widest gap: return on equity trails 81% of banks $1B-$10B in assets (rank 235 of 290).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.72%

Rank 236 of 290

Net Interest Margin

3.35%

Rank 128 of 290

Efficiency Ratio

59.27%

Rank 128 of 290

Equity / Assets

10.19%

Rank 150 of 290

Non-interest income vs. expense

$1.4M$21.9MINCOMEEXPENSE
Unfavorable gap of $20.5M · efficiency ratio beats 56% of banks $1B-$10B in assets
Bank 59.27%Peer median 60.5%Q2 2025Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.72%0.82%1.09%1.41%Beats 19%236 / 290
Return on Equity7.09%8.04%10.59%13.08%Beats 19%235 / 290
Net Interest Margin3.35%2.87%3.28%3.78%Beats 56%128 / 290
Efficiency Ratio59.27%53.76%60.51%67.14%Beats 56%128 / 290
Asset Quality
Nonperforming Loans / Loans0.12%0.22%0.49%0.91%Beats 85%43 / 284
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.97%11.52%13.11%15.22%Beats 30%203 / 290
Total Risk-Based Capital Ratio12.96%12.41%14.01%16.12%Beats 32%196 / 290
Equity / Assets10.19%8.94%10.29%11.70%Beats 48%150 / 290
Liquidity & Funding
Loans / Deposits94.22%75.78%87.64%95.53%71st pctl83 / 284
Loans / Assets80.01%64.43%74.03%79.86%77th pctl66 / 284
Brokered Deposits / Deposits9.67%n/a2.01%8.63%Beats 22%222 / 285