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Texstar National Bank

Universal City, TX · Cert 57704

FDIC · 6 branches

Q3 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Texstar National Bank

Universal City, TX · Cert 57704

FDIC · 6 branches

Q3 2022

$397.1MAssets
$206.1MLoans
$358.5MDeposits
$36.1MEquity
Loan mix
89%RE $155.5M10%C&I $17.6M1%Consumer $1.2MQ3 2021Q3 2022
Deposit mix
65%Interest-bearing $232.3M35%Noninterest $126.2MQ3 2021Q3 2022

NIM

3.25%Q3 ’203.05%Q3 ’213.15%Q3 ’22-2%+4%

Non-interest income vs. expense

1.85%Q3 ’201.79%Q3 ’212.69%Q3 ’22-2%+54%

Market Position · San Antonio-New Braunfels, TX · 2022 SOD (annual) · 0.2% share · #21 of 63 inst. · $0.4B of $186.8B

0.2% Bexar
1.7% Comal

Executive Summary

  • Earnings: ROA of 0.17%, down 67 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.23%, down 4 bps from a year ago.
  • Funding: loans stand at 57.49% of deposits as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

0.17%-67 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+11 bps YoY

Efficiency Ratio (YTD, annualized)

91.72%+2,809 bps YoY

Tier 1 Leverage Ratio

9.23%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.84%0.80%0.60%0.63%0.17%-67 bps
Return on Equity9.20%8.78%6.59%7.02%1.93%-728 bps
Net Interest Margin2.66%2.55%2.39%2.39%2.77%+11 bps
Efficiency Ratio63.63%65.27%69.65%68.22%91.72%+2,809 bps
Non-Interest Burden1.64%1.62%1.63%1.59%2.53%+89 bps
Growth
Asset Growth (YoY)11.45%13.51%9.51%4.01%-9.98%-2,144 bps
Loan Growth (YoY)-7.03%-5.79%-12.35%-8.36%-3.99%+304 bps
Deposit Growth (YoY)15.23%15.83%11.51%5.22%-7.37%-2,260 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%-0.01%-1 bps
Allowance / Loans2.70%2.70%2.79%2.84%2.84%+14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.27%9.20%9.20%9.08%9.23%-4 bps
Total Risk-Based Capital18.71%18.26%18.27%18.63%16.28%-243 bps
Equity / Assets9.37%9.25%8.88%8.76%9.08%-29 bps
Liquidity & Funding
Loans / Deposits55.47%54.69%51.51%51.26%57.49%+202 bps
Liquid Assets / Assets37.96%38.46%40.84%41.16%33.14%-481 bps
CRE / Total Capitaln/an/an/an/an/an/an/a