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First National Bank of Sterling City, The

Sterling City, TX · Cert 5538 · Sterling City Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

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 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 under $1B in assets in TX (n=208 to 211). 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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

88

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

First National Bank of Sterling City, The

Sterling City, TX · Cert 5538 · Sterling City Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

$240.1MAssets
$45.4MLoans
$218.4MDeposits
$21.6MEquity
Loan mix
67%RE $23.6M20%C&I $7.0M13%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $138.3M37%Noninterest $80.1MQ2 2025Q2 2026

NIM

3.18%Q2 ’243.32%Q2 ’253.50%Q2 ’26+12%+5%

Non-interest income vs. expense

1.29%Q2 ’241.42%Q2 ’251.30%Q2 ’26+8%-6%

Executive Summary

  • Earnings: ROA of 1.31%, up 19 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.62%, up 20 bps from a year ago.
  • Funding: loans stand at 20.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+14 bps YoY

Efficiency Ratio (YTD, annualized)

44.08%-541 bps YoY

Tier 1 Leverage Ratio

11.62%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.15%1.16%1.32%1.31%+19 bps
Return on Equity18.57%17.31%16.36%15.40%15.07%-350 bps
Net Interest Margin2.65%2.62%2.63%2.73%2.79%+14 bps
Efficiency Ratio49.49%49.08%49.48%43.43%44.08%-541 bps
Non-Interest Burden1.20%1.19%1.20%1.09%1.13%-7 bps
Growth
Asset Growth (YoY)1.35%6.74%8.54%14.22%6.25%+490 bps
Loan Growth (YoY)25.74%16.48%5.77%-3.70%3.10%-2,264 bps
Deposit Growth (YoY)-1.45%4.84%4.20%11.74%3.81%+526 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.01%0.03%0.00%-0.01%0 bps
Allowance / Loans1.11%1.11%1.15%1.11%1.09%-1 bps
Allowance Coverage of NPLsn/an/an/an/a497.0xn/an/a
Capital
Tier 1 Leverage Ratio11.42%11.40%11.56%10.96%11.62%+20 bps
Total Risk-Based Capital37.43%37.57%39.82%38.68%40.26%+283 bps
Equity / Assets6.86%8.26%8.69%8.47%8.98%+213 bps
Liquidity & Funding
Loans / Deposits20.94%19.80%18.34%17.95%20.79%-14 bps
Liquid Assets / Assets3.32%9.01%7.61%5.56%0.10%-322 bps
CRE / Total Capitaln/a30.06%7.55%11.33%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

First National Bank of Sterling City, The

Sterling City, TX · Cert 5538 · Peer group: banks under $1B in assets in TX (n=208-211) · Sterling City Bancshares Inc.

National charter · OCC · 3 branches

Q2 2026

$240.1MAssets
$45.4MLoans
$218.4MDeposits
$21.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets in TX (rank 187 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.36%

Rank 80 of 211

Net Interest Margin

2.79%

Rank 187 of 211

Efficiency Ratio

44.08%

Rank 26 of 211

Equity / Assets

8.98%

Rank 169 of 211

Non-interest income vs. expense

$0.4M$3.3MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 88% of banks under $1B in assets in TX
Bank 44.08%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.36%0.87%1.20%1.65%Beats 62%80 / 211
Return on Equity15.10%7.52%11.67%14.58%Beats 78%46 / 211
Net Interest Margin2.79%3.28%3.82%4.31%Beats 11%187 / 211
Efficiency Ratio44.08%53.01%64.18%73.65%Beats 88%26 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 79%45 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio39.60%11.72%14.45%19.57%Beats 94%12 / 211
Total Risk-Based Capital Ratio40.26%11.94%14.78%20.30%Beats 93%14 / 211
Equity / Assets8.98%9.41%11.06%12.94%Beats 20%169 / 211
Liquidity & Funding
Loans / Deposits20.79%45.39%66.56%82.03%4th pctl200 / 208
Loans / Assets18.91%39.13%56.90%70.46%6th pctl198 / 211
Brokered Deposits / Depositsn/aNot reported for this institution