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First National Bank of Tom Bean, The

Tom Bean, TX · Cert 5557 · Tom Bean Bank Holding Co.

National charter · OCC · 4 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

45

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 Tom Bean, The

Tom Bean, TX · Cert 5557 · Tom Bean Bank Holding Co.

National charter · OCC · 4 branches

Q2 2026

$155.6MAssets
$128.7MLoans
$135.7MDeposits
$18.7MEquity
Loan mix
71%RE $75.0M16%C&I $17.0M13%Consumer $13.7MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $107.1M21%Noninterest $28.6MQ2 2025Q2 2026

NIM

6.91%Q2 ’247.25%Q2 ’257.02%Q2 ’26+10%+0%

Non-interest income vs. expense

3.90%Q2 ’243.86%Q2 ’253.57%Q2 ’26+0%-4%

Market Position · Sherman-Denison, TX · 2026 SOD (annual) · 1.4% share · #10 of 17 inst. · $0.1B of $4.1B

1.4% Grayson
18.0% Red River
6.0% Hempstead
6.0% Lafayette

Executive Summary

  • Earnings: ROA of 1.05%, up 2 bps year over year; NIM at 5.09%.
  • Asset quality: problem loans at 1.23% of loans (-21 bps YoY), with net charge-offs at 0.36%.
  • Capital: tier 1 leverage ratio of 12.15%, up 52 bps from a year ago.
  • Funding: loans stand at 94.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+2 bps YoY

Net Interest Margin (YTD, annualized)

5.09%0 bps YoY

Efficiency Ratio (YTD, annualized)

65.00%-275 bps YoY

Tier 1 Leverage Ratio

12.15%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.10%1.61%0.92%1.05%+2 bps
Return on Equity9.03%9.56%13.87%7.48%8.65%-39 bps
Net Interest Margin5.09%5.01%5.21%5.01%5.09%0 bps
Efficiency Ratio67.76%66.75%58.35%67.81%65.00%-275 bps
Non-Interest Burden3.31%3.20%2.85%3.26%3.17%-14 bps
Growth
Asset Growth (YoY)1.73%3.12%4.61%3.49%8.29%+655 bps
Loan Growth (YoY)7.10%10.62%13.56%6.86%12.13%+503 bps
Deposit Growth (YoY)0.42%2.26%3.88%2.62%8.06%+764 bps
Asset Quality
Nonperforming Loans / Loans1.44%1.12%1.33%1.15%1.23%-21 bps
Net Charge-Offs / Loans0.16%0.10%0.22%0.72%0.36%+20 bps
Allowance / Loans1.53%1.59%1.69%1.67%1.71%+18 bps
Allowance Coverage of NPLs1.1x1.4x1.3x1.5x1.4x+0.3x
Capital
Tier 1 Leverage Ratio11.63%11.50%12.11%12.35%12.15%+52 bps
Total Risk-Based Capital18.01%17.81%18.70%12.35%12.15%-586 bps
Equity / Assets11.63%11.35%12.11%12.47%12.02%+39 bps
Liquidity & Funding
Loans / Deposits91.41%89.17%91.83%94.08%94.85%+344 bps
Liquid Assets / Assets12.66%12.61%11.88%10.51%9.67%-299 bps
CRE / Total Capitaln/a68.08%50.67%56.63%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 Tom Bean, The

Tom Bean, TX · Cert 5557 · Peer group: banks under $1B in assets in TX (n=208-211) · Tom Bean Bank Holding Co.

National charter · OCC · 4 branches

Q2 2026

$155.6MAssets
$128.7MLoans
$135.7MDeposits
$18.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of banks under $1B in assets in TX (rank 12 of 211).
  • Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in TX (rank 191 of 208).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.02%

Rank 132 of 211

Net Interest Margin

5.09%

Rank 12 of 211

Efficiency Ratio

65.07%

Rank 118 of 211

Equity / Assets

12.02%

Rank 79 of 211

Non-interest income vs. expense

$0.6M$5.5MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 45% of banks under $1B in assets in TX
Bank 65.07%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.87%1.20%1.65%Beats 37%132 / 211
Return on Equity8.51%7.52%11.67%14.58%Beats 33%142 / 211
Net Interest Margin5.09%3.28%3.82%4.31%Beats 94%12 / 211
Efficiency Ratio65.07%53.01%64.18%73.65%Beats 45%118 / 211
Asset Quality
Nonperforming Loans / Loans1.23%0.01%0.30%1.10%Beats 25%158 / 208
Net Charge-Offs / Loans0.19%0.00%0.01%0.06%Beats 9%191 / 208
Capital
Tier 1 Capital Ratio12.15%11.72%14.45%19.57%Beats 30%147 / 211
Total Risk-Based Capital Ratio12.15%11.94%14.78%20.30%Beats 30%148 / 211
Equity / Assets12.02%9.41%11.06%12.94%Beats 63%79 / 211
Liquidity & Funding
Loans / Deposits94.85%45.39%66.56%82.03%94th pctl12 / 208
Loans / Assets82.74%39.13%56.90%70.46%97th pctl6 / 211
Brokered Deposits / Depositsn/aNot reported for this institution