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Primebank of Texas

Austin, TX · Cert 57495 · Bat Investments Inc.

State charter, non-member · FDIC · 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

84

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

Primebank of Texas

Austin, TX · Cert 57495 · Bat Investments Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$279.7MAssets
$186.2MLoans
$244.2MDeposits
$34.5MEquity
Loan mix
84%RE $146.6M16%C&I $27.6M1%Consumer $1.1MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $197.7M19%Noninterest $46.6MQ2 2025Q2 2026

NIM

5.44%Q2 ’245.80%Q2 ’256.08%Q2 ’26+11%+10%

Non-interest income vs. expense

2.58%Q2 ’242.47%Q2 ’252.27%Q2 ’26-7%-8%

Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.1% share · #46 of 73 inst. · $0.1B of $70.4B

0.2% Travis
40.0% Dimmit
41.6% Zavala

Executive Summary

  • Earnings: ROA of 1.72%, up 45 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.66%, down 120 bps from a year ago.
  • Funding: loans stand at 76.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.72%+45 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+39 bps YoY

Efficiency Ratio (YTD, annualized)

48.30%-878 bps YoY

Tier 1 Leverage Ratio

11.66%-120 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.35%1.44%1.64%1.72%+45 bps
Return on Equity9.41%10.35%11.48%14.28%14.58%+517 bps
Net Interest Margin3.99%3.83%3.51%4.11%4.37%+39 bps
Efficiency Ratio57.08%54.01%52.91%48.82%48.30%-878 bps
Non-Interest Burden2.12%1.90%1.71%1.83%1.94%-18 bps
Growth
Asset Growth (YoY)17.59%31.25%34.43%22.70%23.91%+632 bps
Loan Growth (YoY)29.88%37.16%35.83%39.05%28.16%-172 bps
Deposit Growth (YoY)19.21%35.24%38.47%24.85%25.72%+650 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.05%1.07%1.08%1.08%1.05%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.87%12.19%10.49%11.57%11.66%-120 bps
Total Risk-Based Capital12.87%12.19%10.49%11.57%11.66%-120 bps
Equity / Assets13.46%11.99%11.05%12.01%12.34%-112 bps
Liquidity & Funding
Loans / Deposits74.77%68.95%65.28%72.66%76.22%+145 bps
Liquid Assets / Assets15.09%23.40%26.11%19.89%17.92%+283 bps
CRE / Total Capitaln/a305%331%338%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

Primebank of Texas

Austin, TX · Cert 57495 · Peer group: banks under $1B in assets in TX (n=208-211) · Bat Investments Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$279.7MAssets
$186.2MLoans
$244.2MDeposits
$34.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets in TX (rank 161 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.73%

Rank 43 of 211

Net Interest Margin

4.37%

Rank 46 of 211

Efficiency Ratio

49.00%

Rank 35 of 211

Equity / Assets

12.34%

Rank 68 of 211

Non-interest income vs. expense

$0.9M$6.3MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 84% of banks under $1B in assets in TX
Bank 49.00%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.73%0.87%1.20%1.65%Beats 80%43 / 211
Return on Equity14.03%7.52%11.67%14.58%Beats 72%60 / 211
Net Interest Margin4.37%3.28%3.82%4.31%Beats 78%46 / 211
Efficiency Ratio49.00%53.01%64.18%73.65%Beats 84%35 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 71%63 / 208
Capital
Tier 1 Capital Ratio11.66%11.72%14.45%19.57%Beats 24%160 / 211
Total Risk-Based Capital Ratio11.66%11.94%14.78%20.30%Beats 24%161 / 211
Equity / Assets12.34%9.41%11.06%12.94%Beats 68%68 / 211
Liquidity & Funding
Loans / Deposits76.22%45.39%66.56%82.03%66th pctl71 / 208
Loans / Assets66.55%39.13%56.90%70.46%68th pctl68 / 211
Brokered Deposits / Depositsn/aNot reported for this institution