First State Bank of Odem

Odem, TexasFDIC Cert #16334

STATEEstablished 19455 branches

Holding company: MUSTANG HOLDINGS GROUP LLCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$14.2M
Investor CRE	$11.8M
Multifamily	$520K
Construction	$27.3M
1–4 family	$10M
C&I	$26.9M
Agriculture	$6.2M
Other	$2.57M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$99.5M

−2.4%y/y

Percentile by value41st percentileby value

FDICLNLSGR

Net loans

$96.6M

−2.8%y/y

Percentile by value39th percentileby value

FDICLNLSNET

Loans YoY

−2.83%

−10.0%y/y

Percentile by value13th percentileby value

FDICLNLSNET

L/D

52.4%

−11.8%y/y

Percentile by value16th percentileby value

FDICLNLSNET + DEP

Loans/assets

44.9%

−8.7%y/y

Percentile by value16th percentileby value

FDICLNLSNET + ASSET

RE loans %

68.28%

+7.8%y/y

Percentile by value28th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,951points

+1.7%y/y

Peer standing75th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

14.23%

+7.5%y/y

Percentile by value73rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

11.86%

+9.6%y/y

Percentile by value67th percentileby value

FDICLNRENROT + LNLSGR

C&I %

27.05%

−12.2%y/y

Percentile by value95th percentileby value

FDICLNCI + LNLSGR