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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Broadway National Bank

San Antonio, Texas · $5.42B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

1.76%
ROA
1st of 12
0.19%
NPA / loans
2nd of 12
-10.7%
Loans, year over year
11th of 12, largest first

Broadway National Bank is the third largest of the 12 Texas banks nearest its size between $3B and $10B, with $5.42B in assets at 30 June 2026. Loans are 65.3% of deposits, 4th of 12 against a median of 71.8%, and equity is 9.1% of assets, 8th of 12. Loans grew -10.7% in the year, 11th of 12, and deposits fell 5.6%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 0.19% of the book, 2nd of 12 against a median of 0.55%; 0.35% is 30 to 89 days past due, and the allowance covers them 5.6 times. Net charge-offs are 0.13% of loans, 9th of 12. Commercial real estate is 36.2% of loans, 5th of 12 against a median of 38.8%, and 176% of capital, below the 300% screen, with construction at 48% against the 100% screen.

Return on assets is 1.76%, the highest in the cohort against a median of 1.46%, on an efficiency ratio of 57.9%, 5th of 12. Five years ago it was 1.08%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsTX banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.46% BN Broadway National Bank 1.76% IB International Bank of Com 1.67% VB Vantage Bank Texas 1.64% VN Verabank National Association 1.60% IN Inwood National Bank 1.59% TB Texas Bank & Trust Co. 1.56% CB City Bank 1.37% TC Third Coast Bank 1.29% FN First National Bank Texas 1.17% AN American National Bank of Texas 0.66% TE Texas Exchange Bank 0.61% CC Cornerstone Capital Bank SSB 0.10%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.8% CC Cornerstone Capital Bank SSB +67.5% TC Third Coast Bank +33.3% CB City Bank +21.4% VB Vantage Bank Texas +14.7% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

Broadway National Bank is the 92nd largest 7(a) lender into Texas of 706, with $100M across 234 loans, 0.2% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 7 of its 17 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Bexar, TX$48M9th of 2372.3%-1.1 pts
Travis, TX$10M55th of 2390.4%+0.2 pts
Hays, TX$7M9th of 1231.8%-0.0 pts
Comal, TX$7M11th of 982.3%thin
Guadalupe, TX$6M9th of 763.2%-5.0 pts
Fayette, TX$4M2nd of 2610.8%quiet FY2022
Williamson, TX$4M76th of 1810.3%-0.2 pts
Ellis, TX$3M29th of 1031.3%thin
Tarrant, TX$3M149th of 2810.1%thin
Hidalgo, TX$2M35th of 940.6%quiet FY2012
Kendall, TX$2M17th of 511.4%thin
Wilson, TX$885K10th of 362.8%quiet FY2018
Kerr, TX$470K18th of 391.6%quiet FY2008
4 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade16$16M16.5%0.06%210th of 1,651
Retail trade33$15M15.0%0.02%378th of 2,589
Health care & social assistance28$14M14.0%0.03%323rd of 2,172
Construction30$11M10.6%0.03%356th of 2,063
Manufacturing20$10M9.9%0.02%466th of 2,246
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Broadway National Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans BN Broadway National Bank 0.2% $100M · 234 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Broadway National BankRankCohort median
Total CRE against capital, the 300% screen176%5th of 12221%
Construction against capital, the 100% screen48%3rd of 1257%
Construction and land development, share of loans9.9%3rd of 1211.1%
Non-owner-occupied nonfarm nonresidential, share of loans24.0%9th of 1222.2%
Total CRE, the guidance definition, share of loans36.2%5th of 1238.8%
CRE growth over 36 months, the third prong-8.2%1st of 12+24.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Third Coast Bank$6.73B1.3%57.9%0.50%-0.01%1.0%92.8%12.0%
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Cornerstone Capital Bank SSB$3.67B0.1%89.0%3.62%0.07%0.6%110.0%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Broadway National BankCohort median
20212026Change20212026Change
Loans$2.47B$3.17B+28%$1.84B$2.99B+62%
Deposits$4.41B$4.86B+10%$3.02B$4.06B+34%
NPA / loans0.16%0.19%+0.04 pts0.39%0.55%+0.16 pts
Efficiency68.9%57.9%-11.1 pts65.7%57.9%-7.8 pts
ROA1.08%1.76%+0.68 pts1.26%1.46%+0.20 pts

This read was prepared for Broadway National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Broadway National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.broadway.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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