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American First National Bank

Houston, TX · Cert 34656 · Afnb Holdings Inc.

National charter · OCC · 20 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

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

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 $1B-$10B in assets (n=322 to 328). 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

95

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

American First National Bank

Houston, TX · Cert 34656 · Afnb Holdings Inc.

National charter · OCC · 20 branches

Q2 2026

$2.9BAssets
$2.4BLoans
$2.4BDeposits
$410.9MEquity
Loan mix
92%RE $2.2B8%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $2.1B15%Noninterest $0.4BQ2 2025Q2 2026

NIM

6.65%Q2 ’246.63%Q2 ’256.97%Q2 ’26+10%+15%

Non-interest income vs. expense

1.70%Q2 ’241.56%Q2 ’251.71%Q2 ’26-9%+11%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.3% share · #26 of 107 inst. · $1.2B of $360.4B

0.3% Harris
0.1% Los Angeles
0.1% Dallas
1.3% Fort Bend

Executive Summary

  • Earnings: ROA of 2.13%, up 28 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.42% of loans (-122 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 14.38%, up 121 bps from a year ago.
  • Funding: loans stand at 98.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.13%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.42%+58 bps YoY

Efficiency Ratio (YTD, annualized)

38.11%-162 bps YoY

Tier 1 Leverage Ratio

14.38%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%1.88%1.60%2.40%2.13%+28 bps
Return on Equity14.53%14.57%12.37%17.75%15.49%+96 bps
Net Interest Margin3.83%3.86%3.89%4.82%4.42%+58 bps
Efficiency Ratio39.73%39.58%47.65%35.51%38.11%-162 bps
Non-Interest Burden1.47%1.48%1.81%1.66%1.63%+16 bps
Growth
Asset Growth (YoY)6.67%3.58%5.31%2.05%0.77%-590 bps
Loan Growth (YoY)2.59%0.67%-0.15%-1.55%-0.01%-259 bps
Deposit Growth (YoY)6.46%3.13%4.63%0.92%-0.56%-702 bps
Asset Quality
Nonperforming Loans / Loans1.65%1.43%1.42%0.31%0.42%-122 bps
Net Charge-Offs / Loans0.00%0.03%0.03%0.15%0.08%+8 bps
Allowance / Loans1.02%1.04%1.07%1.07%1.07%+4 bps
Allowance Coverage of NPLs0.6x0.7x0.8x3.4x2.5x+1.9x
Capital
Tier 1 Leverage Ratio13.17%13.43%13.23%13.97%14.38%+121 bps
Total Risk-Based Capital15.84%16.68%16.34%17.18%17.44%+160 bps
Equity / Assets12.95%13.33%13.21%13.88%14.24%+128 bps
Liquidity & Funding
Loans / Deposits98.30%96.56%97.68%97.68%98.85%+55 bps
Liquid Assets / Assets10.36%11.96%10.77%11.20%10.77%+42 bps
CRE / Total Capitaln/a546%558%525%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

American First National Bank

Houston, TX · Cert 34656 · Peer group: banks $1B-$10B in assets (n=322-328) · Afnb Holdings Inc.

National charter · OCC · 20 branches

Q2 2026

$2.9BAssets
$2.4BLoans
$2.4BDeposits
$410.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 95% of banks $1B-$10B in assets (rank 16 of 328).
  • Widest gap: net charge-offs / loans trails 69% of banks $1B-$10B in assets (rank 224 of 322).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.13%

Rank 16 of 328

Net Interest Margin

4.42%

Rank 31 of 328

Efficiency Ratio

38.11%

Rank 16 of 328

Equity / Assets

14.24%

Rank 32 of 328

Non-interest income vs. expense

$2.4M$49.2MINCOMEEXPENSE
Unfavorable gap of $46.8M · efficiency ratio beats 95% of banks $1B-$10B in assets
Bank 38.11%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.13%0.91%1.22%1.52%Beats 95%16 / 328
Return on Equity14.94%8.43%11.45%14.43%Beats 80%64 / 328
Net Interest Margin4.42%3.03%3.45%3.83%Beats 91%31 / 328
Efficiency Ratio38.11%51.61%59.56%67.53%Beats 95%16 / 328
Asset Quality
Nonperforming Loans / Loans0.42%0.24%0.51%1.03%Beats 60%131 / 322
Net Charge-Offs / Loans0.08%0.01%0.03%0.10%Beats 31%224 / 322
Capital
Tier 1 Capital Ratio16.38%11.75%13.15%15.47%Beats 81%61 / 328
Total Risk-Based Capital Ratio17.44%12.63%14.15%16.46%Beats 82%59 / 328
Equity / Assets14.24%9.15%10.33%12.01%Beats 90%32 / 328
Liquidity & Funding
Loans / Deposits98.85%76.63%87.92%95.36%83rd pctl56 / 323
Loans / Assets83.55%65.18%74.15%79.98%87th pctl44 / 328
Brokered Deposits / Depositsn/aNot reported for this institution