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Austin County State Bank

Bellville, TX · Cert 58484 · Austin County Bancshares Inc.

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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

95

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

Austin County State Bank

Bellville, TX · Cert 58484 · Austin County Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$543.0MAssets
$391.5MLoans
$489.7MDeposits
$49.1MEquity
Loan mix
74%RE $250.2M25%C&I $85.0M1%Consumer $4.0MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $374.2M24%Noninterest $115.5MQ2 2025Q2 2026

NIM

6.26%Q2 ’246.49%Q2 ’256.23%Q2 ’26+9%-1%

Non-interest income vs. expense

2.64%Q2 ’242.44%Q2 ’252.50%Q2 ’26-9%+3%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #54 of 107 inst. · $0.4B of $360.4B

26.0% Austin
2.0% Johnson

Executive Summary

  • Earnings: ROA of 2.21%, up 51 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.37% of loans (+9 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.55%, down 72 bps from a year ago.
  • Funding: loans stand at 79.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.21%+51 bps YoY

Net Interest Margin (YTD, annualized)

4.71%-3 bps YoY

Efficiency Ratio (YTD, annualized)

49.50%+143 bps YoY

Tier 1 Leverage Ratio

9.55%-72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.71%1.67%2.60%2.21%+51 bps
Return on Equity17.28%17.21%16.80%27.16%23.61%+633 bps
Net Interest Margin4.74%4.75%4.50%4.77%4.71%-3 bps
Efficiency Ratio48.07%49.24%52.12%49.94%49.50%+143 bps
Non-Interest Burden2.10%2.17%2.20%2.22%2.17%+6 bps
Growth
Asset Growth (YoY)10.23%13.73%18.41%22.29%28.21%+1,798 bps
Loan Growth (YoY)9.40%11.49%15.03%13.16%17.85%+845 bps
Deposit Growth (YoY)9.80%13.75%18.81%23.15%30.19%+2,039 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.41%0.17%0.24%0.37%+9 bps
Net Charge-Offs / Loans0.27%0.17%0.26%0.00%-0.03%-30 bps
Allowance / Loans1.66%1.68%1.62%1.75%1.79%+13 bps
Allowance Coverage of NPLs6.1x4.1x9.2x7.3x4.9x-1.2x
Capital
Tier 1 Leverage Ratio10.27%10.62%10.18%9.61%9.55%-72 bps
Total Risk-Based Capital10.27%10.62%10.18%9.61%9.55%-72 bps
Equity / Assets9.95%10.21%9.93%9.21%9.04%-91 bps
Liquidity & Funding
Loans / Deposits88.31%89.37%85.91%80.23%79.94%-837 bps
Liquid Assets / Assets8.19%7.35%5.94%7.79%5.99%-220 bps
CRE / Total Capitaln/a245%246%250%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

Austin County State Bank

Bellville, TX · Cert 58484 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Austin County Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$543.0MAssets
$391.5MLoans
$489.7MDeposits
$49.1MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 95% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 1 of 21).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 20 of 21).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.08%

Rank 1 of 21

Net Interest Margin

4.71%

Rank 4 of 21

Efficiency Ratio

49.50%

Rank 2 of 21

Equity / Assets

9.04%

Rank 17 of 21

Non-interest income vs. expense

$1.7M$13.1MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 95% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 49.50%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.08%0.77%1.16%1.46%Beats 95%1 / 21
Return on Equity23.03%6.66%8.42%15.66%Beats 95%1 / 21
Net Interest Margin4.71%3.50%3.97%4.41%Beats 81%4 / 21
Efficiency Ratio49.50%59.33%68.18%79.00%Beats 95%2 / 21
Asset Quality
Nonperforming Loans / Loans0.37%0.01%0.37%1.25%Beats 52%11 / 21
Net Charge-Offs / Loans0.01%n/a0.01%0.05%Beats 48%12 / 21
Capital
Tier 1 Capital Ratio9.55%12.65%15.76%18.38%Beats 5%20 / 21
Total Risk-Based Capital Ratio9.55%12.65%16.68%19.63%Beats 5%20 / 21
Equity / Assets9.04%9.08%11.30%15.80%Beats 19%17 / 21
Liquidity & Funding
Loans / Deposits79.94%64.96%78.30%90.30%57th pctl9 / 21
Loans / Assets72.10%55.83%65.86%74.20%67th pctl7 / 21
Brokered Deposits / Depositsn/aNot reported for this institution