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

Susser Bank

Dallas, Texas · $2.99B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

+12.8%
Loans, year over year
1st of 12, largest first
0.96%
ROA
10th of 12
3.2x
Coverage of noncurrent
3rd of 11

Susser Bank is the largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.99B in assets at 30 June 2026. Loans are 83.2% of deposits, 8th of 12 against a median of 78.6%, and equity is 10.3% of assets, 7th of 12. Loans grew +12.8% in the year, the fastest in the cohort, and deposits grew 13.9%; the cohort's median loan growth is +1.1%.

Noncurrent loans are 0.42% of the book, 4th of 12 against a median of 0.67%; 0.05% is 30 to 89 days past due, and the allowance covers them 3.2 times. Commercial real estate is 34.1% of loans, 5th of 12 against a median of 36.7%, and 243% of capital, below the 300% screen, with construction at 95% against the 100% screen.

Return on assets is 0.96%, 10th of 12 against a median of 1.50%, on an efficiency ratio of 62.2%, 9th of 12. Five years ago it was 0.77%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsTX banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.50% SB State Bank of Texas 4.22% AF American First National Bank 2.14% HB Horizon Bank SSB 1.72% TN Tib National Association 1.68% WF Wells Fargo Bank S Central N.A. 1.67% WT West Texas National Bank 1.59% PB Pinnacle Bank 1.40% AM American Momentum Bank 1.27% JB Jefferson Bank 1.11% SB Susser Bank 0.96% EB Extraco Banks National Association 0.79% TR Texas Regional Bank 0.28%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +1.1% SB Susser Bank +12.8% TR Texas Regional Bank +12.5% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% JB Jefferson Bank +4.5% WT West Texas National Bank +1.2% EB Extraco Banks National Association +1.1% AM American Momentum Bank +0.1% AF American First National Bank -0.0% TN Tib National Association -6.3% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

Susser Bank is the 82nd largest 7(a) lender into Texas of 706, with $118M across 110 loans, 0.3% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 12 of its 22 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
Tarrant, TX$37M24th of 2811.0%-0.5 pts
Dallas, TX$18M68th of 3140.3%thin
Collin, TX$9M72nd of 2610.3%-0.4 pts
Harris, TX$7M116th of 3140.1%thin
Denton, TX$7M62nd of 2240.4%quiet FY2020
Williamson, TX$7M46th of 1810.6%+0.6 pts
Rockwall, TX$7M11th of 1082.7%thin
Bexar, TX$6M79th of 2370.3%-0.2 pts
Travis, TX$4M109th of 2390.1%+0.1 pts
El Paso, TX$3M40th of 980.5%quiet FY2019
Hopkins, TX$3M10th of 283.5%quiet FY2019
Oklahoma, OK$3M65th of 1720.3%quiet FY2020
Johnson, TX$3M30th of 1031.0%quiet FY2017
9 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
Accommodation & food services26$24M19.0%0.03%351st of 2,596
Health care & social assistance19$19M15.5%0.04%259th of 2,172
Manufacturing10$14M11.4%0.04%369th of 2,246
Arts, entertainment & recreation8$12M9.7%0.08%186th of 1,656
Wholesale trade8$11M8.7%0.04%282nd of 1,651
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Susser 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 SB Susser Bank 0.3% $118M · 110 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Susser BankRankCohort median
Total CRE against capital, the 300% screen243%6th of 12247%
Construction against capital, the 100% screen95%10th of 1248%
Construction and land development, share of loans13.4%10th of 128.7%
Non-owner-occupied nonfarm nonresidential, share of loans18.3%5th of 1220.7%
Total CRE, the guidance definition, share of loans34.1%5th of 1236.7%
CRE growth over 36 months, the third prong+19.5%9th of 12+8.6%

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
Susser Bank$2.99B1.0%62.2%0.42%0.01%1.3%83.2%10.3%
Tib National Association$2.96B1.7%57.7%0.84%0.26%1.4%75.4%14.6%
Texas Regional Bank$2.95B0.3%88.8%0.59%0.07%1.1%72.4%9.2%
American First National Bank$2.89B2.1%38.1%0.42%0.08%1.1%98.8%14.2%
West Texas National Bank$2.88B1.6%46.5%1.67%0.88%1.9%58.6%10.2%
Jefferson Bank$2.88B1.1%74.8%0.75%0.01%0.8%75.6%8.6%
American Momentum Bank$2.85B1.3%59.6%3.52%0.11%1.2%91.4%22.2%
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Susser BankCohort median
20212026Change20212026Change
Loans$926M$2.22B+139%$1.10B$1.85B+69%
Deposits$1.11B$2.66B+140%$1.75B$2.35B+35%
NPA / loans0.23%0.42%+0.19 pts0.19%0.67%+0.48 pts
Efficiency75.8%62.2%-13.6 pts65.5%55.1%-10.3 pts
ROA0.77%0.96%+0.19 pts1.03%1.50%+0.46 pts

This read was prepared for Susser 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 Susser 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 $1B to $3B
Institution www.susserbank.com/

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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