State National Bank

Groom, TexasFDIC Cert #3237

OCCEstablished 19251 branch

Holding company: GROOM BANCSHARES INCRegulator: OCC

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	$6.06M
Investor CRE	$8.99M
Multifamily	$0
Construction	$1.78M
1–4 family	$3.32M
C&I	$5.53M
Agriculture	$18.3M
Other	$1.63M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$45.6M

+8.4%y/y

Percentile by value72nd percentileby value

FDICLNLSGR

Net loans

$44.8M

+8.9%y/y

Percentile by value72nd percentileby value

FDICLNLSNET

Loans YoY

+8.89%

−88.6%y/y

Percentile by value75th percentileby value

FDICLNLSNET

L/D

83.9%

+5.5%y/y

Percentile by value79th percentileby value

FDICLNLSNET + DEP

Loans/assets

73.6%

+6.3%y/y

Percentile by value85th percentileby value

FDICLNLSNET + ASSET

RE loans %

60.55%

+6.4%y/y

Percentile by value37th 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

1,625points

−10.6%y/y

Peer standing91st percentile

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

Owner CRE %

13.28%

−16.6%y/y

Percentile by value85th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

19.72%

+24.5%y/y

Percentile by value92nd percentileby value

FDICLNRENROT + LNLSGR

C&I %

12.13%

+31.6%y/y

Percentile by value62nd percentileby value

FDICLNCI + LNLSGR