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Letter portraitLegal landscapeQuarterYTD

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 $13.7MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $107.1M21%Noninterest $28.6MQ3 2024Q2 2026

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 1.20%, up 43 bps year over year; NIM at 5.34%.
  • Asset quality: problem loans at 1.23% of loans (-21 bps YoY), with net charge-offs at 0.05%.
  • 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.

Return on Assets (quarter, annualized)

1.20%+43 bps YoY

Net Interest Margin (quarter, annualized)

5.34%+27 bps YoY

Efficiency Ratio (quarter, annualized)

62.39%-534 bps YoY

Tier 1 Leverage Ratio

12.15%+52 bps YoY

NIM

7.08%Q2 ’247.18%Q2 ’257.20%Q2 ’26+9%+5%

Non-interest income vs. expense

4.00%Q2 ’243.87%Q2 ’253.56%Q2 ’26-2%-4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.95%1.31%0.77%1.22%3.08%0.92%1.20%+43 bps
Return on Equity7.78%8.57%11.44%6.65%10.62%26.26%7.48%9.80%+316 bps
Net Interest Margin4.59%4.61%5.09%5.07%5.19%5.97%5.01%5.34%+27 bps
Efficiency Ratio78.03%75.32%67.78%67.73%64.83%37.24%67.81%62.39%-534 bps
Non-Interest Burden3.46%3.33%3.27%3.34%3.18%1.89%3.26%3.20%-14 bps
Growth
Asset Growth (YoY)6.14%6.58%0.99%1.73%3.12%4.61%3.49%8.29%+655 bps
Loan Growth (YoY)0.13%-2.86%2.54%7.10%10.62%13.56%6.86%12.13%+503 bps
Deposit Growth (YoY)6.25%6.60%0.14%0.42%2.26%3.88%2.62%8.06%+764 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.18%0.52%1.44%1.12%1.33%1.15%1.23%-21 bps
Net Charge-Offs / Loans0.15%0.18%0.11%0.21%-0.02%0.60%0.72%0.05%-16 bps
Allowance / Loans1.60%1.57%1.47%1.53%1.59%1.69%1.67%1.71%+18 bps
Allowance Coverage of NPLs8.9x8.7x2.9x1.1x1.4x1.3x1.5x1.4x+0.3x
Capital
Tier 1 Leverage Ratio10.99%11.13%11.46%11.63%11.50%12.11%12.35%12.15%+52 bps
Total Risk-Based Capital17.65%18.10%17.77%18.01%17.81%18.70%12.35%12.15%-586 bps
Equity / Assets10.89%11.28%11.61%11.63%11.35%12.11%12.47%12.02%+39 bps
Liquidity & Funding
Loans / Deposits82.44%84.00%90.35%91.41%89.17%91.83%94.08%94.85%+344 bps
Liquid Assets / Assets11.53%11.47%11.97%12.66%12.61%11.88%10.51%9.67%-299 bps
CRE / Total Capitaln/an/an/an/a68.08%50.67%56.63%n/an/a