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Executive summary

• Net income for Q1 2026 was $11.4 million, or $1.45 per diluted share, up 3.6% year-over-year, with diluted EPS rising from $1.37; ROA increased to 1.30%.

• Total assets reached $3.6 billion, with deposits at $3.0 billion and loans at $2.7 billion.

• Deposit growth outpaced loan production, reducing the loan-to-deposit ratio to 90%.

• Opened new branches in Northwest Houston and Tomball, TX, supporting regional growth.

• Maintained strong capital ratios and continued disciplined capital allocation, including dividends and share repurchases.

Financial highlights

• Net interest income reached $34.5 million, up 8.6% year-over-year and 1% sequentially.

• Net interest margin improved to 4.16%, up 25 bps year-over-year and 10 bps sequentially.

• Noninterest income was $3.7 million, down 6.8% year-over-year and 7% sequentially.

• Noninterest expense was $22.9 million, up 6.3% year-over-year and down less than 1% sequentially.

• Tangible book value per share increased to $46.04; book value per share was $56.73.

Outlook and guidance

• Management expects quarterly noninterest income between $3.8 million and $4 million.

• Noninterest expense projected to rise modestly in Q2 and remain between $23.3 million and $23.7 million for the rest of 2026.

• Management remains focused on proactive credit management and expanding customer relationships.

• No material losses anticipated from increased nonperforming and criticized loans.

• Market disruption is seen as an opportunity for expansion and disciplined acquisitions.