The First National Bank of Lipan

Lipan, TexasFDIC Cert #3303

OCCEstablished 19071 branch

Holding company: Not reportedRegulator: 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	$338K
Investor CRE	$0
Multifamily	$0
Construction	$94K
1–4 family	$2.22M
C&I	$1.54M
Agriculture	$1.37M
Other	$2.48M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$8.05M

+6.7%y/y

Percentile by value15th percentileby value

FDICLNLSGR

Net loans

$7.96M

+6.8%y/y

Percentile by value15th percentileby value

FDICLNLSNET

Loans YoY

+6.81%

+209.2%y/y

Percentile by value68th percentileby value

FDICLNLSNET

L/D

33.3%

+5.5%y/y

Percentile by value11th percentileby value

FDICLNLSNET + DEP

Loans/assets

29.8%

+4.8%y/y

Percentile by value19th percentileby value

FDICLNLSNET + ASSET

RE loans %

36.06%

−8.3%y/y

Percentile by value12th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Percentile by value26th percentileby value

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

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Percentile by value51st percentileby value

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

FDICLNRECONS + RBC

Loan HHI

1,353points

−0.4%y/y

Peer standing97th percentile

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

Owner CRE %

4.20%

−13.9%y/y

Percentile by value49th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

19.15%

+11.6%y/y

Percentile by value80th percentileby value

FDICLNCI + LNLSGR