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First State Bank of Uvalde

Uvalde, TX · Cert 9978 · Briscoe Ranch Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

90

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

First State Bank of Uvalde

Uvalde, TX · Cert 9978 · Briscoe Ranch Inc.

State charter, non-member · FDIC · 1 affiliate bank · 8 branches (16 in holding)

Q2 2026

$1.7BAssets
$672.0MLoans
$1.5BDeposits
$211.8MEquity
Loan mix
85%RE $528.9M13%C&I $80.5M2%Consumer $11.0MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.2B18%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.04%Q2 ’243.90%Q2 ’253.92%Q2 ’26-3%+17%

Non-interest income vs. expense

1.01%Q2 ’241.06%Q2 ’251.17%Q2 ’26+4%+11%

Executive Summary

  • Earnings: ROA of 1.19%, up 24 bps year over year; NIM at 2.32%.
  • Asset quality: problem loans at 1.27% of loans (-22 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 15.66%, up 190 bps from a year ago.
  • Funding: loans stand at 45.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.32%+34 bps YoY

Efficiency Ratio (YTD, annualized)

44.70%-248 bps YoY

Tier 1 Leverage Ratio

15.66%+190 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.01%1.09%1.22%1.19%+24 bps
Return on Equity10.27%10.46%10.84%10.52%10.02%-26 bps
Net Interest Margin1.98%2.10%2.14%2.34%2.32%+34 bps
Efficiency Ratio47.17%46.71%45.81%43.38%44.70%-248 bps
Non-Interest Burden0.79%0.83%0.81%0.86%0.88%+8 bps
Growth
Asset Growth (YoY)-3.17%-4.01%-2.09%-3.43%-7.64%-447 bps
Loan Growth (YoY)2.76%0.30%-5.50%-5.98%-3.43%-619 bps
Deposit Growth (YoY)-5.36%-6.03%-5.05%-6.26%-10.35%-499 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.55%1.77%1.26%1.27%-22 bps
Net Charge-Offs / Loans0.09%0.07%0.08%0.16%0.10%+2 bps
Allowance / Loans1.53%1.53%1.62%1.59%1.59%+6 bps
Allowance Coverage of NPLs1.0x1.0x0.9x1.3x1.2x+0.2x
Capital
Tier 1 Leverage Ratio13.76%14.33%14.57%15.23%15.66%+190 bps
Total Risk-Based Capital13.76%14.33%14.57%15.23%15.66%+190 bps
Equity / Assets9.89%10.92%11.41%11.79%12.58%+268 bps
Liquidity & Funding
Loans / Deposits42.61%43.48%42.88%43.75%45.90%+329 bps
Liquid Assets / Assets21.63%21.63%23.28%22.80%20.25%-138 bps
CRE / Total Capitaln/a145.13%136.46%133.54%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

First State Bank of Uvalde

Uvalde, TX · Cert 9978 · Peer group: banks $1B-$10B in assets (n=322-328) · Briscoe Ranch Inc.

State charter, non-member · FDIC · 1 affiliate bank · 8 branches (16 in holding)

Q2 2026

$1.7BAssets
$672.0MLoans
$1.5BDeposits
$211.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 90% of banks $1B-$10B in assets (rank 35 of 328).
  • Widest gap: net interest margin trails 97% of banks $1B-$10B in assets (rank 318 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.23%

Rank 161 of 328

Net Interest Margin

2.32%

Rank 318 of 328

Efficiency Ratio

44.70%

Rank 35 of 328

Equity / Assets

12.58%

Rank 63 of 328

Non-interest income vs. expense

$5.2M$21.2MINCOMEEXPENSE
Unfavorable gap of $16.0M · efficiency ratio beats 90% of banks $1B-$10B in assets
Bank 44.70%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.91%1.22%1.52%Beats 51%161 / 328
Return on Equity9.82%8.43%11.45%14.43%Beats 34%217 / 328
Net Interest Margin2.32%3.03%3.45%3.83%Beats 3%318 / 328
Efficiency Ratio44.70%51.61%59.56%67.53%Beats 90%35 / 328
Asset Quality
Nonperforming Loans / Loans1.27%0.24%0.51%1.03%Beats 20%258 / 322
Net Charge-Offs / Loans0.06%0.01%0.03%0.10%Beats 37%203 / 322
Capital
Tier 1 Capital Ratio15.66%11.75%13.15%15.47%Beats 77%77 / 328
Total Risk-Based Capital Ratio15.66%12.63%14.15%16.46%Beats 70%99 / 328
Equity / Assets12.58%9.15%10.33%12.01%Beats 81%63 / 328
Liquidity & Funding
Loans / Deposits45.90%76.63%87.92%95.36%3rd pctl313 / 323
Loans / Assets39.90%65.18%74.15%79.98%5th pctl313 / 328
Brokered Deposits / Depositsn/aNot reported for this institution