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

Texasbank

Fort Worth, Texas · $2.48B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

106.5%
Loans / deposits
12th of 12
+9.2%
Loans, year over year
1st of 12, largest first
2.32%
ROA
2nd of 12

Texasbank is the eighth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.48B in assets at 30 June 2026. Loans are 106.5% of deposits, the highest in the cohort against a median of 78.1%, and equity is 12.6% of assets, 6th of 12. Loans grew +9.2% in the year, the fastest in the cohort, and deposits grew 3.5%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 0.41% of the book, 7th of 12 against a median of 0.41%; 0.71% is 30 to 89 days past due, and the allowance covers them 2.9 times. Net charge-offs are 0.11% of loans, the highest in the cohort. Commercial real estate is 35.3% of loans, 3rd of 12 against a median of 40.7%, and 223% of capital, below the 300% screen, with construction at 127% against the 100% screen.

Return on assets is 2.32%, 2nd of 12 against a median of 1.67%, on an efficiency ratio of 52.8%, 7th of 12. Five years ago it was 1.64%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 78.1% EB Extraco Banks National Association 64.4% TF Texas First Bank 65.1% FU First United Bank 70.8% CN Community National Bank 72.7% HB Horizon Bank SSB 74.0% FI Falcon International Bank 74.5% PB Pinnacle Bank 81.6% AN American National Bank & Trust 85.7% SB State Bank of Texas 97.8% GB Golden Bank National Association 101.2% WF Wells Fargo Bank S Central N.A. 102.3% T Texasbank 106.5%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +5.7% 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% PB Pinnacle Bank +5.4% FU First United Bank +2.8% EB Extraco Banks National Association +1.1% CN Community National Bank -1.1% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

Texasbank is the 214th largest 7(a) lender into Texas of 706, with $21M across 93 loans, 0.1% 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
Brown, TX$5M1st of 2123.1%+8.2 pts
Erath, TX$5M2nd of 448.3%-3.2 pts
Parker, TX$4M21st of 921.5%+1.6 pts
Tarrant, TX$1M195th of 2810.0%thin
Hood, TX$1M29th of 621.0%thin
Eastland, TX$1M13th of 222.6%thin
El Paso, TX$980K60th of 980.2%thin
Taylor, TX$866K42nd of 730.3%quiet FY2020
Johnson, TX$650K73rd of 1030.2%thin
Comanche, TX$560K6th of 109.2%thin
Hamilton, TX$253K7th of 93.2%quiet FY2020
Dallas, TX$192K292nd of 3140.0%thin
Coleman, TX$150K6th of 74.6%quiet FY2021
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
Construction21$4M20.4%0.01%625th of 2,063
Accommodation & food services12$3M13.2%0.00%1086th of 2,596
Retail trade10$2M9.6%0.00%1165th of 2,589
Administrative & waste services5$2M8.4%0.01%596th of 1,763
Transportation & warehousing3$2M7.6%0.01%624th of 1,563
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Texasbank
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 T Texasbank 0.0% $21M · 93 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
TexasbankRankCohort median
Total CRE against capital, the 300% screen223%5th of 12251%
Construction against capital, the 100% screen127%11th of 1268%
Construction and land development, share of loans20.2%9th of 1213.9%
Non-owner-occupied nonfarm nonresidential, share of loans11.9%2nd of 1223.8%
Total CRE, the guidance definition, share of loans35.3%3rd of 1240.7%
CRE growth over 36 months, the third prong+31.7%9th of 12+22.9%

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
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%
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%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
TexasbankCohort median
20212026Change20212026Change
Loans$388M$2.14B+451%$993M$1.67B+68%
Deposits$608M$2.01B+230%$1.45B$2.11B+46%
NPA / loans0.03%0.41%+0.39 pts0.26%0.41%+0.15 pts
Efficiency59.2%52.8%-6.4 pts56.3%52.7%-3.7 pts
ROA1.64%2.32%+0.68 pts1.39%1.67%+0.27 pts

This read was prepared for Texasbank'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 Texasbank 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.texasbank.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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