First State Bank

Junction, TexasFDIC Cert #16643

STATEEstablished 19471 branch

Holding company: KIMBLE COUNTY BANCSHARES INCRegulator: FED

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	$2.38M
Investor CRE	$3.31M
Multifamily	$0
Construction	$361K
1–4 family	$5.12M
C&I	$2.27M
Agriculture	$5.3M
Other	$1.95M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$20.7M

−2.7%y/y

Percentile by value33rd percentileby value

FDICLNLSGR

Net loans

$20.2M

−2.8%y/y

Percentile by value33rd percentileby value

FDICLNLSNET

Loans YoY

−2.83%

+76.5%y/y

Percentile by value24th percentileby value

FDICLNLSNET

L/D

36.9%

−9.5%y/y

Percentile by value15th percentileby value

FDICLNLSNET + DEP

Loans/assets

33.2%

−9.7%y/y

Percentile by value24th percentileby value

FDICLNLSNET + ASSET

RE loans %

77.79%

−2.5%y/y

Percentile by value63rd 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

1,694points

−11.5%y/y

Peer standing89th percentile

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

Owner CRE %

11.52%

−16.2%y/y

Percentile by value81st percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

15.98%

−2.7%y/y

Percentile by value88th percentileby value

FDICLNRENROT + LNLSGR

C&I %

10.98%

−1.5%y/y

Percentile by value59th percentileby value

FDICLNCI + LNLSGR