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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

$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