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Letter portraitLegal landscapeQuarterYTD

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 $11.0MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $1.2B18%Noninterest $0.3BQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.16%, up 24 bps year over year; NIM at 2.28%.
  • Asset quality: problem loans at 1.27% of loans (-22 bps YoY), with net charge-offs at 0.04%.
  • 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.

Return on Assets (quarter, annualized)

1.16%+24 bps YoY

Net Interest Margin (quarter, annualized)

2.28%+31 bps YoY

Efficiency Ratio (quarter, annualized)

46.04%-204 bps YoY

Tier 1 Leverage Ratio

15.66%+190 bps YoY

NIM

4.05%Q2 ’243.87%Q2 ’253.86%Q2 ’26-3%+16%

Non-interest income vs. expense

1.02%Q2 ’241.08%Q2 ’251.19%Q2 ’26+3%+11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.04%0.99%0.92%1.13%1.31%1.22%1.16%+24 bps
Return on Equity13.47%12.01%11.04%9.48%10.86%11.74%10.52%9.53%+5 bps
Net Interest Margin2.11%2.13%1.98%1.96%2.24%2.24%2.34%2.28%+31 bps
Efficiency Ratio42.13%44.84%46.27%48.08%45.85%43.41%43.38%46.04%-204 bps
Non-Interest Burden0.72%0.73%0.78%0.80%0.87%0.73%0.86%0.88%+9 bps
Growth
Asset Growth (YoY)0.07%-4.97%-5.22%-3.17%-4.01%-2.09%-3.43%-7.64%-447 bps
Loan Growth (YoY)4.72%6.82%4.82%2.76%0.30%-5.50%-5.98%-3.43%-619 bps
Deposit Growth (YoY)-4.03%-6.36%-7.44%-5.36%-6.03%-5.05%-6.26%-10.35%-499 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.42%0.86%1.49%1.55%1.77%1.26%1.27%-22 bps
Net Charge-Offs / Loans0.16%0.03%0.04%0.13%0.05%0.11%0.16%0.04%-8 bps
Allowance / Loans1.36%1.35%1.40%1.53%1.53%1.62%1.59%1.59%+6 bps
Allowance Coverage of NPLs3.0x3.2x1.6x1.0x1.0x0.9x1.3x1.2x+0.2x
Capital
Tier 1 Leverage Ratio13.32%13.90%13.41%13.76%14.33%14.57%15.23%15.66%+190 bps
Total Risk-Based Capital30.13%13.90%13.41%13.76%14.33%14.57%15.23%15.66%+190 bps
Equity / Assets8.76%8.53%9.46%9.89%10.92%11.41%11.79%12.58%+268 bps
Liquidity & Funding
Loans / Deposits40.74%43.08%43.63%42.61%43.48%42.88%43.75%45.90%+329 bps
Liquid Assets / Assets21.01%19.33%19.87%21.63%21.63%23.28%22.80%20.25%-138 bps
CRE / Total Capitaln/an/an/an/a145.13%136.46%133.54%n/an/a