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

Texas First Bank

Texas City, Texas · $2.35B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

9.7%
Equity / assets
10th of 12
58.6%
Efficiency
10th of 12
65.1%
Loans / deposits
3rd of 12

Texas First Bank is the seventh largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.35B in assets at 30 June 2026. Loans are 65.1% of deposits, 3rd of 12 against a median of 74.2%, and equity is 9.7% of assets, 10th of 12. Loans grew +6.3% in the year, 7th of 12, and deposits fell 1.6%; the cohort's median loan growth is +6.4%.

Noncurrent loans are 0.17% of the book, 4th of 12 against a median of 0.41%; 0.21% is 30 to 89 days past due, and the allowance covers them 7.8 times. Commercial real estate is 43.3% of loans, 8th of 12 against a median of 40.4%, and 247% of capital, below the 300% screen, with construction at 125% against the 100% screen. CRE has grown +65.0% over 36 months, past the guidance's 50% prong.

Return on assets is 1.66%, 8th of 12 against a median of 1.85%, on an efficiency ratio of 58.6%, 10th of 12. Five years ago it was 1.58%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 53.0% TC Texas Community Bank 40.9% GB Golden Bank National Association 41.9% CN Citizens National Bank of Texas 45.9% CN Community National Bank 47.6% HB Horizon Bank SSB 52.6% T Texasbank 52.8% FU First United Bank 53.2% FI Falcon International Bank 55.0% SS Security State Bank & Trust 55.5% TF Texas First Bank 58.6% AN American National Bank & Trust 68.3% EB Extraco Banks National Association 75.7%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.4% CN Citizens National Bank of Texas +13.5% SS Security State Bank & Trust +10.9% T Texasbank +9.2% GB Golden Bank National Association +9.0% AN American National Bank & Trust +8.0% FI Falcon International Bank +6.5% TF Texas First Bank +6.3% HB Horizon Bank SSB +6.1% TC Texas Community Bank +2.9% FU First United Bank +2.8% EB Extraco Banks National Association +1.1% CN Community National Bank -1.1%

SBA 7(a), FY2008 to FY2026

Texas First Bank is the 137th largest 7(a) lender into Texas of 706, with $54M across 112 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 17 of its 26 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
Harris, TX$11M98th of 3140.1%+0.1 pts
Galveston, TX$10M12th of 1132.2%+2.1 pts
Collin, TX$7M84th of 2610.2%quiet FY2017
Denton, TX$4M86th of 2240.2%quiet FY2018
Brazoria, TX$4M36th of 1290.8%thin
Rockwall, TX$4M22nd of 1081.6%thin
Dallas, TX$3M158th of 3140.1%quiet FY2016
Montgomery, TX$2M90th of 1650.2%thin
Tarrant, TX$2M192nd of 2810.0%thin
Fort Bend, TX$989K121st of 1800.1%quiet FY2016
Angelina, TX$955K21st of 471.4%thin
Jefferson, TX$845K53rd of 810.3%thin
Bexar, TX$624K189th of 2370.0%quiet FY2018
13 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
Other services23$14M25.4%0.04%297th of 2,248
Health care & social assistance33$11M20.9%0.02%360th of 2,172
Retail trade14$6M11.2%0.01%651st of 2,589
Accommodation & food services11$5M9.0%0.01%826th of 2,596
Arts, entertainment & recreation4$4M6.9%0.03%427th of 1,656
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Texas First 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 TF Texas First Bank 0.1% $54M · 112 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, Texas First Bank among them; owner-occupied excluded; bold marks a screen met
Texas First BankRankCohort median
Total CRE against capital, the 300% screen247%7th of 12235%
Construction against capital, the 100% screen125%10th of 1278%
Construction and land development, share of loans21.9%10th of 1214.2%
Non-owner-occupied nonfarm nonresidential, share of loans20.3%6th of 1220.6%
Total CRE, the guidance definition, share of loans43.3%8th of 1240.4%
CRE growth over 36 months, the third prong+65.0%12th of 12+28.9%

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
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%
Community National Bank$2.54B2.1%47.6%1.66%0.01%1.7%72.7%12.9%
American National Bank & Trust$2.54B1.0%68.3%0.88%0.00%1.1%85.7%10.2%
Texasbank$2.48B2.3%52.8%0.41%0.11%1.2%106.5%12.6%
First United Bank$2.41B2.0%53.2%0.41%0.10%1.3%70.8%10.5%
Texas First Bank$2.35B1.7%58.6%0.17%0.01%1.3%65.1%9.7%
Golden Bank National Association$2.28B1.6%41.9%2.16%-0.05%1.3%101.2%13.6%
Falcon International Bank$2.25B1.5%55.0%0.00%0.02%1.1%74.5%12.2%
Texas Community Bank$2.20B2.1%40.9%0.20%0.05%2.0%59.8%12.5%
Citizens National Bank of Texas$2.19B2.5%45.9%1.42%0.04%1.1%102.3%12.0%
Security State Bank & Trust$2.18B2.2%55.5%2.22%0.04%1.1%86.3%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Texas First BankCohort median
20212026Change20212026Change
Loans$979M$1.34B+37%$979M$1.57B+61%
Deposits$1.74B$2.06B+18%$1.45B$2.03B+40%
NPA / loans0.53%0.17%-0.36 pts0.22%0.41%+0.19 pts
Efficiency56.0%58.6%+2.5 pts59.9%53.0%-6.9 pts
ROA1.58%1.66%+0.09 pts1.49%1.85%+0.36 pts

This read was prepared for Texas First 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 Texas First 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 texasfirst.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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