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First National Bank of Shiner, The

Shiner, TX · Cert 5529

FDIC · 5 branches

Q2 2025

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 2025, the quarter ended June 30, 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 under $1B in assets in TX (n=221 to 224). 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

21

Q2 2024Q2 2025peer median (50)

Asset Quality

19

Q2 2024Q2 2025peer median (50)

Profitability

4

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

12

Q2 2024Q2 2025peer 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

First National Bank of Shiner, The

Shiner, TX · Cert 5529

FDIC · 5 branches

Q2 2025

$753.2MAssets
$172.6MLoans
$805.2MDeposits
$-59406KEquity
Loan mix
88%RE $118.4M9%C&I $11.6M3%Consumer $4.6MQ3 2023Q2 2025
Deposit mix
85%Interest-bearing $682.5M15%Noninterest $122.7MQ3 2023Q2 2025

Market Position · Victoria, TX · 2025 SOD (annual) · 3.6% share · #7 of 13 inst. · $0.1B of $2.5B

29.6% Lavaca
16.3% De Witt
50.6% Goliad
11.8% Gonzales

Executive Summary

  • Earnings: ROA of 0.15%, up 29 bps year over year; NIM at 1.08%.
  • Asset quality: problem loans at 1.47% of loans (+104 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 12.50%, up 142 bps from a year ago.
  • Funding: loans stand at 21.44% of deposits as of Q2 2025.

Return on Assets (YTD, annualized)

0.15%+29 bps YoY

Net Interest Margin (YTD, annualized)

1.08%+23 bps YoY

Efficiency Ratio (YTD, annualized)

84.47%-2,639 bps YoY

Tier 1 Leverage Ratio

12.50%+142 bps YoY

NIM

3.13%Q2 ’233.54%Q2 ’243.41%Q2 ’25-46%+26%

Non-interest income vs. expense

0.97%Q2 ’231.12%Q2 ’241.14%Q2 ’25+17%-10%

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.45%0.34%0.02%-0.15%-0.25%-0.11%-0.06%0.15%+29 bps
Return on Equity-7.76%-6.56%-0.45%3.84%7.25%2.81%1.07%-2.21%-604 bps
Net Interest Margin1.46%1.36%0.93%0.86%0.85%0.86%0.99%1.08%+23 bps
Efficiency Ratio59.27%64.39%97.25%110.86%115.48%111.23%98.17%84.47%-2,639 bps
Non-Interest Burden1.03%1.00%0.90%0.97%1.01%0.98%0.97%0.87%-9 bps
Growth
Asset Growth (YoY)-4.77%3.75%-3.18%-1.90%8.50%-10.22%-14.45%-14.09%-1,219 bps
Loan Growth (YoY)9.94%33.74%26.92%18.72%16.82%-0.17%-7.97%-8.20%-2,692 bps
Deposit Growth (YoY)-7.33%-5.29%-4.10%-2.63%-1.31%-1.80%-6.13%-5.03%-240 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.03%1.65%0.44%0.41%0.52%1.50%1.47%+104 bps
Net Charge-Offs / Loans-0.36%-0.23%0.44%0.24%0.17%0.13%0.32%0.17%-7 bps
Allowance / Loans1.79%1.72%1.59%1.63%1.61%1.59%1.63%1.67%+5 bps
Allowance Coverage of NPLs46.6x55.6x1.0x3.7x3.9x3.1x1.1x1.1x-2.6x
Capital
Tier 1 Leverage Ratio11.11%11.33%11.09%11.08%11.27%11.36%12.06%12.50%+142 bps
Total Risk-Based Capital31.24%11.33%11.09%11.08%11.27%11.36%12.06%12.50%+142 bps
Equity / Assets-11.15%-2.81%-3.94%-4.62%-2.15%-5.44%-6.63%-7.89%-327 bps
Liquidity & Funding
Loans / Deposits19.44%22.12%22.29%22.18%23.01%22.49%21.85%21.44%-74 bps
Liquid Assets / Assets11.04%11.13%13.62%12.07%11.64%9.33%8.28%10.01%-207 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

First National Bank of Shiner, The

Shiner, TX · Cert 5529 · Peer group: banks under $1B in assets in TX (n=221-224)

FDIC · 5 branches

Q2 2025

$753.2MAssets
$172.6MLoans
$805.2MDeposits
$-59406KEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 33% of banks under $1B in assets in TX (rank 150 of 224).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in TX (rank 223 of 224).
  • Overall: at or above the peer median on 0 of 8 directional measures.

Return on Assets

0.15%

Rank 210 of 224

Net Interest Margin

1.08%

Rank 222 of 224

Efficiency Ratio

84.47%

Rank 198 of 224

Equity / Assets

-7.89%

Rank 223 of 224

Non-interest income vs. expense

$2.4M$10.5MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 12% of banks under $1B in assets in TX
Bank 84.47%Peer median 63.4%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.15%0.75%1.14%1.55%Beats 6%210 / 224
Return on Equityn/aNot reported for this institution
Net Interest Margin1.08%3.18%3.72%4.29%Beats 1%222 / 224
Efficiency Ratio84.47%54.88%63.36%73.91%Beats 12%198 / 224
Asset Quality
Nonperforming Loans / Loans1.47%0.03%0.27%0.93%Beats 17%185 / 221
Net Charge-Offs / Loans0.09%0.00%0.01%0.06%Beats 20%177 / 221
Capital
Tier 1 Capital Ratio12.50%11.76%14.62%18.98%Beats 33%150 / 224
Total Risk-Based Capital Ratio12.50%11.87%15.07%19.86%Beats 31%155 / 224
Equity / Assets-7.89%8.61%10.54%12.31%Beats 0%223 / 224
Liquidity & Funding
Loans / Deposits21.44%48.74%69.29%83.16%5th pctl210 / 221
Loans / Assets22.92%42.63%60.45%70.41%6th pctl208 / 221
Brokered Deposits / Depositsn/aNot reported for this institution