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Dominion Bank

Dallas, TX · Cert 11934 · Dominion Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Dominion Bank

Dallas, TX · Cert 11934 · Dominion Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$647.4MAssets
$508.1MLoans
$569.9MDeposits
$71.6MEquity
Loan mix
64%RE $350.0M35%C&I $193.0M0%Consumer $1.2MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $494.1M13%Noninterest $75.8MQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #74 of 166 inst. · $0.5B of $732.8B

0.7% Collin
0.1% Dallas
7.3% Houston

Executive Summary

  • Earnings: ROA of 0.95%, up 6 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.73% of loans (+73 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.17%, up 32 bps from a year ago.
  • Funding: loans stand at 89.14% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.95%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-9 bps YoY

Efficiency Ratio (YTD, annualized)

62.68%-28 bps YoY

Tier 1 Leverage Ratio

11.17%+32 bps YoY

NIM

6.96%Q2 ’246.30%Q2 ’255.90%Q2 ’26-4%-3%

Non-interest income vs. expense

2.44%Q2 ’242.20%Q2 ’252.13%Q2 ’26-13%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.93%0.78%0.89%0.96%0.90%0.80%0.95%+6 bps
Return on Equity8.10%8.35%7.05%8.20%8.91%8.40%7.53%8.84%+64 bps
Net Interest Margin3.56%3.45%3.35%3.37%3.28%3.24%3.26%3.28%-9 bps
Efficiency Ratio67.43%66.94%67.15%62.96%63.21%62.81%64.98%62.68%-28 bps
Non-Interest Burden2.38%2.29%2.22%2.07%2.03%1.99%2.09%2.01%-6 bps
Growth
Asset Growth (YoY)6.03%6.47%11.98%18.16%15.76%16.53%10.14%3.74%-1,443 bps
Loan Growth (YoY)8.53%6.52%8.49%18.32%6.96%11.17%11.64%-4.09%-2,241 bps
Deposit Growth (YoY)6.29%6.33%12.70%19.72%16.85%17.43%10.17%2.99%-1,673 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.01%0.71%0.68%0.73%+73 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.84%0.82%0.83%0.83%0.83%0.93%0.92%0.97%+14 bps
Allowance Coverage of NPLsn/an/an/an/a111.0x1.3x1.4x1.3xn/a
Capital
Tier 1 Leverage Ratio11.27%11.13%11.26%10.85%10.57%10.53%10.90%11.17%+32 bps
Total Risk-Based Capital12.91%13.06%12.95%12.37%13.03%12.83%12.85%14.03%+166 bps
Equity / Assets11.20%11.06%11.11%10.51%10.58%10.35%10.99%11.06%+55 bps
Liquidity & Funding
Loans / Deposits98.92%94.49%96.38%95.72%90.55%89.45%97.66%89.14%-658 bps
Liquid Assets / Assets10.04%13.89%12.96%13.16%17.94%18.58%12.13%19.75%+659 bps
CRE / Total Capitaln/an/an/an/a480%464%470%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Dominion Bank

Dallas, TX · Cert 11934 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Dominion Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$647.4MAssets
$508.1MLoans
$569.9MDeposits
$71.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 5 of 28).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 27 of 28).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.96%

Rank 24 of 28

Net Interest Margin

3.28%

Rank 27 of 28

Efficiency Ratio

62.82%

Rank 16 of 28

Equity / Assets

11.06%

Rank 15 of 28

Non-interest income vs. expense

$0.8M$13.5MINCOMEEXPENSE
Unfavorable gap of $12.7M · efficiency ratio beats 46% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 62.82%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.96%1.12%1.22%1.47%Beats 14%24 / 28
Return on Equity8.64%8.64%12.47%13.41%Beats 25%21 / 28
Net Interest Margin3.28%3.77%4.06%4.51%Beats 4%27 / 28
Efficiency Ratio62.82%57.39%61.94%66.78%Beats 46%16 / 28
Asset Quality
Nonperforming Loans / Loans0.73%n/a0.28%1.06%Beats 32%20 / 28
Net Charge-Offs / Loans0.00%0.00%0.01%0.20%Beats 100%5 / 28
Capital
Tier 1 Capital Ratio13.08%12.55%13.77%17.51%Beats 36%18 / 28
Total Risk-Based Capital Ratio14.03%12.59%14.62%18.18%Beats 43%16 / 28
Equity / Assets11.06%9.58%11.17%13.58%Beats 46%15 / 28
Liquidity & Funding
Loans / Deposits89.14%66.90%84.79%89.14%75th pctl7 / 28
Loans / Assets78.48%57.58%73.59%77.32%79th pctl6 / 28
Brokered Deposits / Depositsn/aNot reported for this institution