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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

$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

6.45%Q2 ’246.70%Q2 ’256.45%Q2 ’26+9%0%

Non-interest income vs. expense

2.67%Q2 ’242.33%Q2 ’252.59%Q2 ’26-15%+13%

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 1.85%, down 19 bps year over year; NIM at 4.92%.
  • Asset quality: problem loans at 0.37% of loans (+9 bps YoY), with net recoveries of 0.06%.
  • 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 (quarter, annualized)

1.85%-19 bps YoY

Net Interest Margin (quarter, annualized)

4.92%0 bps YoY

Efficiency Ratio (quarter, annualized)

49.10%+495 bps YoY

Tier 1 Leverage Ratio

9.55%-72 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.05%1.74%1.56%2.60%1.85%-19 bps
Return on Equity21.03%17.27%15.51%27.16%20.32%-71 bps
Net Interest Margin4.92%4.96%4.99%4.77%4.92%0 bps
Efficiency Ratio44.15%51.44%59.78%49.94%49.10%+495 bps
Non-Interest Burden1.98%2.38%2.88%2.22%2.24%+26 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 / Loans0.54%0.01%0.55%0.00%-0.06%-60 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