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Lone Star Bank

Houston, TX · Cert 58324

State charter, non-member · FDIC · 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 the Houston-Pasadena-The Woodlands, TX area3

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 the Houston-Pasadena-The Woodlands, TX area (n=21). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

71

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

Lone Star Bank

Houston, TX · Cert 58324

State charter, non-member · FDIC · 4 branches

Q2 2026

$202.3MAssets
$176.2MLoans
$176.0MDeposits
$25.4MEquity
Loan mix
94%RE $160.1M6%C&I $10.4M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $158.1M10%Noninterest $17.9MQ2 2025Q2 2026

NIM

6.66%Q2 ’246.91%Q2 ’256.77%Q2 ’26+22%+2%

Non-interest income vs. expense

2.80%Q2 ’242.93%Q2 ’252.63%Q2 ’26+7%-11%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #73 of 107 inst. · $0.2B of $360.4B

0.0% Harris
1.4% Austin
2.5% Colorado

Executive Summary

  • Earnings: ROA of 1.18%, up 32 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.29% of loans (+20 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.65%, down 81 bps from a year ago.
  • Funding: loans stand at 100.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+32 bps YoY

Net Interest Margin (YTD, annualized)

4.21%+7 bps YoY

Efficiency Ratio (YTD, annualized)

61.18%-822 bps YoY

Tier 1 Leverage Ratio

12.65%-81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%1.03%1.12%1.28%1.18%+32 bps
Return on Equity6.53%7.80%8.65%10.37%9.56%+303 bps
Net Interest Margin4.14%4.01%4.01%4.40%4.21%+7 bps
Efficiency Ratio69.41%66.24%64.79%59.99%61.18%-822 bps
Non-Interest Burden2.85%2.63%2.58%2.59%2.54%-30 bps
Growth
Asset Growth (YoY)7.30%8.91%14.27%19.45%16.71%+940 bps
Loan Growth (YoY)7.38%12.95%14.01%16.31%15.14%+775 bps
Deposit Growth (YoY)8.07%9.72%15.71%21.49%17.19%+911 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.00%0.00%0.00%0.29%+20 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.17%1.18%1.18%1.15%1.16%-1 bps
Allowance Coverage of NPLs13.0xn/an/an/a4.0x-9.0x
Capital
Tier 1 Leverage Ratio13.47%12.76%12.78%12.88%12.65%-81 bps
Total Risk-Based Capital13.47%12.76%12.78%12.88%12.65%-81 bps
Equity / Assets12.98%12.73%12.41%12.25%12.54%-44 bps
Liquidity & Funding
Loans / Deposits101.87%101.92%99.72%97.48%100.09%-178 bps
Liquid Assets / Assets10.80%10.69%11.71%13.94%12.03%+123 bps
CRE / Total Capitaln/a497%518%524%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

Lone Star Bank

Houston, TX · Cert 58324 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)

State charter, non-member · FDIC · 4 branches

Q2 2026

$202.3MAssets
$176.2MLoans
$176.0MDeposits
$25.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 21).
  • Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 16 of 21).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.16%

Rank 11 of 21

Net Interest Margin

4.21%

Rank 9 of 21

Efficiency Ratio

61.18%

Rank 7 of 21

Equity / Assets

12.54%

Rank 8 of 21

Non-interest income vs. expense

$0.2M$5.3MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 71% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 61.18%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.77%1.16%1.46%Beats 48%11 / 21
Return on Equity9.25%6.66%8.42%15.66%Beats 52%10 / 21
Net Interest Margin4.21%3.50%3.97%4.41%Beats 57%9 / 21
Efficiency Ratio61.18%59.33%68.18%79.00%Beats 71%7 / 21
Asset Quality
Nonperforming Loans / Loans0.29%0.01%0.37%1.25%Beats 62%9 / 21
Net Charge-Offs / Loans0.00%n/a0.01%0.05%Beats 100%9 / 21
Capital
Tier 1 Capital Ratio12.65%12.65%15.76%18.38%Beats 24%16 / 21
Total Risk-Based Capital Ratio12.65%12.65%16.68%19.63%Beats 24%16 / 21
Equity / Assets12.54%9.08%11.30%15.80%Beats 62%8 / 21
Liquidity & Funding
Loans / Deposits100.09%64.96%78.30%90.30%86th pctl3 / 21
Loans / Assets87.08%55.83%65.86%74.20%95th pctl1 / 21
Brokered Deposits / Depositsn/aNot reported for this institution