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Guadalupe Bank

Kerrville, TX · Cert 58768 · Relationship Financial Corp.

State charter, non-member · FDIC · 2 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

40

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

Guadalupe Bank

Kerrville, TX · Cert 58768 · Relationship Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$261.1MAssets
$203.0MLoans
$234.1MDeposits
$25.4MEquity
Loan mix
98%RE $181.1M2%C&I $3.7M0%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $162.3M31%Noninterest $71.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.28%, down 86 bps year over year; NIM at 4.94%.
  • 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 9.93%, down 3 bps from a year ago.
  • Funding: loans stand at 86.70% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.28%-86 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+6 bps YoY

Efficiency Ratio (YTD, annualized)

66.77%+1,676 bps YoY

Tier 1 Leverage Ratio

9.93%-3 bps YoY

NIM

5.69%Q2 ’246.05%Q2 ’256.02%Q2 ’26+10%+1%

Non-interest income vs. expense

2.46%Q2 ’242.70%Q2 ’253.54%Q2 ’26+14%+46%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.04%1.87%2.14%2.14%2.04%1.87%1.53%1.28%-86 bps
Return on Equity23.33%21.06%22.45%22.02%20.85%19.06%15.28%12.91%-911 bps
Net Interest Margin4.44%4.65%4.87%4.88%4.89%4.82%4.93%4.94%+6 bps
Efficiency Ratio48.60%53.61%48.92%50.02%51.96%54.50%63.34%66.77%+1,676 bps
Non-Interest Burden1.88%2.25%2.13%2.18%2.30%2.41%2.99%3.18%+100 bps
Growth
Asset Growth (YoY)-5.47%-7.61%-3.90%-5.82%-3.97%3.99%4.62%10.47%+1,629 bps
Loan Growth (YoY)0.43%-1.76%-4.78%-5.54%-7.18%-5.58%3.73%10.97%+1,651 bps
Deposit Growth (YoY)-5.81%-8.91%-2.49%-4.02%-3.09%5.95%6.67%13.21%+1,723 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.36%0.38%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.01%0.00%0.00%+1 bps
Allowance / Loans1.04%1.06%1.11%1.09%1.15%1.16%1.10%1.09%+1 bps
Allowance Coverage of NPLsn/a3.0x3.0xn/an/a2043.0xn/an/an/a
Capital
Tier 1 Leverage Ratio8.70%9.08%9.94%9.97%10.07%10.02%10.21%9.93%-3 bps
Total Risk-Based Capital12.95%13.59%14.88%14.95%15.37%15.09%14.65%13.94%-101 bps
Equity / Assets8.81%9.44%9.65%9.99%10.06%10.01%9.99%9.73%-26 bps
Liquidity & Funding
Loans / Deposits86.18%90.81%84.12%88.45%82.53%80.92%81.80%86.70%-175 bps
Liquid Assets / Assets18.43%15.77%21.34%17.48%21.59%14.68%14.83%12.90%-458 bps
CRE / Total Capitaln/an/an/an/a351%351%358%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

Guadalupe Bank

Kerrville, TX · Cert 58768 · Peer group: banks under $1B in assets in TX (n=208-211) · Relationship Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$261.1MAssets
$203.0MLoans
$234.1MDeposits
$25.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: equity / assets trails 71% of banks under $1B in assets in TX (rank 150 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.24%

Rank 98 of 211

Net Interest Margin

4.94%

Rank 17 of 211

Efficiency Ratio

66.77%

Rank 127 of 211

Equity / Assets

9.73%

Rank 150 of 211

Non-interest income vs. expense

$0.9M$9.1MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 40% of banks under $1B in assets in TX
Bank 66.77%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.24%0.87%1.20%1.65%Beats 54%98 / 211
Return on Equity12.72%7.52%11.67%14.58%Beats 59%86 / 211
Net Interest Margin4.94%3.28%3.82%4.31%Beats 92%17 / 211
Efficiency Ratio66.77%53.01%64.18%73.65%Beats 40%127 / 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 66%73 / 208
Capital
Tier 1 Capital Ratio12.80%11.72%14.45%19.57%Beats 38%131 / 211
Total Risk-Based Capital Ratio13.94%11.94%14.78%20.30%Beats 43%120 / 211
Equity / Assets9.73%9.41%11.06%12.94%Beats 29%150 / 211
Liquidity & Funding
Loans / Deposits86.70%45.39%66.56%82.03%85th pctl32 / 208
Loans / Assets77.73%39.13%56.90%70.46%89th pctl23 / 211
Brokered Deposits / Depositsn/aNot reported for this institution