Big Bend Banks, N.A.

Marfa, TexasFDIC Cert #3320

OCCEstablished 19072 branches

Holding company: BIG BEND BANCSHARES CORPRegulator: 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	$8.88M
Investor CRE	$0
Multifamily	$0
Construction	$591K
1–4 family	$4.77M
C&I	$2.31M
Agriculture	$745K
Other	$4.14M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$21.4M

+4.0%y/y

Percentile by value2nd percentileby value

FDICLNLSGR

Net loans

$20.9M

+4.6%y/y

Percentile by value2nd percentileby value

FDICLNLSNET

Loans YoY

+4.56%

+163.8%y/y

Percentile by value47th percentileby value

FDICLNLSNET

L/D

14.6%

+0.2%y/y

Percentile by value1st percentileby value

FDICLNLSNET + DEP

Loans/assets

12.6%

−1.5%y/y

Percentile by value2nd percentileby value

FDICLNLSNET + ASSET

RE loans %

68.57%

+1.0%y/y

Percentile by value29th 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

2,342points

+8.6%y/y

Peer standing52nd percentile

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

Owner CRE %

41.43%

+13.4%y/y

Percentile by value99th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

10.79%

+15.2%y/y

Percentile by value59th percentileby value

FDICLNCI + LNLSGR