PackageTrendsPeer
Letter portraitLegal landscape

Susser Bank

Dallas, TX · Cert 34885 · SBH Manager LLC

State charter, Fed member · FED · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area3

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 in the Dallas-Fort Worth-Arlington, TX area (n=20). 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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

55

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

Susser Bank

Dallas, TX · Cert 34885 · SBH Manager LLC

State charter, Fed member · FED · 11 branches

Q2 2026

$3.0BAssets
$2.2BLoans
$2.7BDeposits
$306.7MEquity
Loan mix
68%RE $1.3B32%C&I $0.6B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $2.2B18%Noninterest $0.5BQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #34 of 166 inst. · $1.6B of $732.8B

1.5% Tarrant
0.2% Harris
0.2% Dallas
0.6% Travis

Executive Summary

  • Earnings: ROA of 0.92%, up 17 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.42% of loans (-56 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.10%, up 31 bps from a year ago.
  • Funding: loans stand at 83.24% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+1 bps YoY

Efficiency Ratio (YTD, annualized)

61.62%+148 bps YoY

Tier 1 Leverage Ratio

10.10%+31 bps YoY

NIM

6.80%Q2 ’246.37%Q2 ’255.96%Q2 ’26-1%+0%

Non-interest income vs. expense

2.65%Q2 ’242.37%Q2 ’252.44%Q2 ’26-11%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.82%0.99%0.76%0.95%0.96%1.00%0.92%+17 bps
Return on Equity7.35%7.86%9.49%7.27%9.12%9.26%9.76%9.03%+176 bps
Net Interest Margin3.53%3.44%3.63%3.68%3.66%3.42%3.55%3.69%+1 bps
Efficiency Ratio65.32%64.56%61.05%60.14%60.54%61.80%62.19%61.62%+148 bps
Non-Interest Burden2.22%2.14%2.11%2.11%2.11%2.03%2.12%2.17%+6 bps
Growth
Asset Growth (YoY)14.95%9.49%19.15%13.40%11.94%14.78%13.19%13.91%+51 bps
Loan Growth (YoY)18.64%20.78%19.97%13.56%9.47%8.89%9.06%12.83%-73 bps
Deposit Growth (YoY)14.08%8.85%19.89%13.85%11.97%14.88%13.02%13.92%+8 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.67%1.16%0.97%0.81%0.92%0.58%0.42%-56 bps
Net Charge-Offs / Loans0.03%0.02%0.00%0.53%0.23%0.15%0.00%0.01%-53 bps
Allowance / Loans1.26%1.25%1.28%1.28%1.32%1.29%1.29%1.35%+6 bps
Allowance Coverage of NPLs1.9x1.9x1.1x1.3x1.6x1.4x2.2x3.2x+1.9x
Capital
Tier 1 Leverage Ratio9.85%9.73%9.77%9.79%9.86%9.38%9.72%10.10%+31 bps
Total Risk-Based Capital12.66%12.39%12.37%12.51%12.92%12.91%13.31%12.90%+39 bps
Equity / Assets10.48%10.37%10.45%10.41%10.39%10.13%10.33%10.26%-15 bps
Liquidity & Funding
Loans / Deposits83.64%84.89%85.33%84.05%81.77%80.46%82.34%83.24%-81 bps
Liquid Assets / Assets16.08%15.46%15.86%17.51%20.75%22.34%20.95%20.24%+273 bps
CRE / Total Capitaln/an/an/an/a344%351%339%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

Susser Bank

Dallas, TX · Cert 34885 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · SBH Manager LLC

State charter, Fed member · FED · 11 branches

Q2 2026

$3.0BAssets
$2.2BLoans
$2.7BDeposits
$306.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 70% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 7 of 20).
  • Widest gap: total risk-based capital ratio trails 90% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 18 of 20).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.90%

Rank 12 of 20

Net Interest Margin

3.69%

Rank 7 of 20

Efficiency Ratio

62.22%

Rank 10 of 20

Equity / Assets

10.26%

Rank 14 of 20

Non-interest income vs. expense

$7.6M$68.5MINCOMEEXPENSE
Unfavorable gap of $60.9M · efficiency ratio beats 55% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 62.22%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.90%0.68%1.15%1.86%Beats 40%12 / 20
Return on Equity8.82%7.45%10.95%14.25%Beats 30%14 / 20
Net Interest Margin3.69%2.87%3.58%4.28%Beats 65%7 / 20
Efficiency Ratio62.22%52.33%65.48%74.79%Beats 55%10 / 20
Asset Quality
Nonperforming Loans / Loans0.42%0.18%0.42%1.54%Beats 45%12 / 20
Net Charge-Offs / Loans0.00%0.00%0.02%0.14%Beats 70%7 / 20
Capital
Tier 1 Capital Ratio11.65%13.35%15.71%17.39%Beats 10%18 / 20
Total Risk-Based Capital Ratio12.90%14.55%16.02%18.64%Beats 10%18 / 20
Equity / Assets10.26%9.74%11.64%13.21%Beats 30%14 / 20
Liquidity & Funding
Loans / Deposits83.24%72.63%81.14%96.60%60th pctl8 / 20
Loans / Assets74.11%60.26%69.54%79.68%60th pctl8 / 20
Brokered Deposits / Depositsn/aNot reported for this institution