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Trinity Capital Bank of Texas

Ennis, TX · Cert 13000 · Ennis 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

4

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

57

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

Trinity Capital Bank of Texas

Ennis, TX · Cert 13000 · Ennis Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$456.6MAssets
$358.9MLoans
$355.1MDeposits
$35.0MEquity
Loan mix
85%RE $297.7M14%C&I $50.4M1%Consumer $3.3MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $262.0M26%Noninterest $93.0MQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #87 of 166 inst. · $0.4B of $732.8B

6.1% Ellis
0.0% Dallas
0.1% Kaufman

Executive Summary

  • Earnings: ROA of 1.29%, up 44 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.33% of loans (+23 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.56%, up 9 bps from a year ago.
  • Funding: loans stand at 101.08% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.29%+44 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+42 bps YoY

Efficiency Ratio (YTD, annualized)

60.89%-707 bps YoY

Tier 1 Leverage Ratio

9.56%+9 bps YoY

NIM

5.41%Q2 ’245.72%Q2 ’255.94%Q2 ’26+12%+11%

Non-interest income vs. expense

2.64%Q2 ’242.70%Q2 ’252.66%Q2 ’26+3%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.76%0.89%0.86%0.92%0.96%1.26%1.29%+44 bps
Return on Equity12.30%12.72%13.98%13.15%13.81%14.04%16.99%17.17%+402 bps
Net Interest Margin3.26%3.37%3.59%3.64%3.68%3.77%4.07%4.06%+42 bps
Efficiency Ratio71.93%70.12%69.97%67.96%65.72%63.72%60.24%60.89%-707 bps
Non-Interest Burden2.25%2.26%2.42%2.37%2.31%2.29%2.33%2.35%-2 bps
Growth
Asset Growth (YoY)12.51%6.32%4.81%7.37%3.74%7.74%9.62%7.94%+57 bps
Loan Growth (YoY)11.65%12.19%6.64%9.27%6.64%10.87%16.43%15.28%+601 bps
Deposit Growth (YoY)4.86%7.62%10.12%13.66%15.06%5.48%4.85%0.00%-1,365 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.12%0.34%0.10%0.19%0.56%2.33%0.33%+23 bps
Net Charge-Offs / Loans0.02%0.02%0.05%0.22%0.15%0.16%0.01%-0.03%-25 bps
Allowance / Loans0.98%1.02%1.01%1.00%1.07%1.11%1.09%1.10%+10 bps
Allowance Coverage of NPLs11.9x8.3x3.0x10.0x5.5x2.0x0.5x3.4x-6.6x
Capital
Tier 1 Leverage Ratio9.35%9.47%9.61%9.47%9.37%9.58%9.53%9.56%+9 bps
Total Risk-Based Capital9.35%9.47%9.61%9.47%9.37%9.58%9.53%9.56%+9 bps
Equity / Assets6.68%6.22%6.57%6.72%7.16%7.52%7.37%7.66%+95 bps
Liquidity & Funding
Loans / Deposits94.40%91.00%90.22%87.68%87.49%95.65%100.18%101.08%+1,340 bps
Liquid Assets / Assets3.82%4.22%5.26%5.63%4.99%3.80%3.26%3.61%-202 bps
CRE / Total Capitaln/an/an/an/a494%494%521%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

Trinity Capital Bank of Texas

Ennis, TX · Cert 13000 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Ennis Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$456.6MAssets
$358.9MLoans
$355.1MDeposits
$35.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 93% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 2 of 28).
  • Widest gap: equity / assets 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 5 of 9 directional measures.

Return on Assets

1.27%

Rank 9 of 28

Net Interest Margin

4.06%

Rank 14 of 28

Efficiency Ratio

60.89%

Rank 13 of 28

Equity / Assets

7.66%

Rank 27 of 28

Non-interest income vs. expense

$1.4M$12.0MINCOMEEXPENSE
Unfavorable gap of $10.6M · efficiency ratio beats 57% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 60.89%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.27%1.12%1.22%1.47%Beats 68%9 / 28
Return on Equity16.64%8.64%12.47%13.41%Beats 93%2 / 28
Net Interest Margin4.06%3.77%4.06%4.51%Beats 50%14 / 28
Efficiency Ratio60.89%57.39%61.94%66.78%Beats 57%13 / 28
Asset Quality
Nonperforming Loans / Loans0.33%n/a0.28%1.06%Beats 46%16 / 28
Net Charge-Offs / Loans0.00%0.00%0.01%0.20%Beats 64%11 / 28
Capital
Tier 1 Capital Ratio9.56%12.55%13.77%17.51%Beats 4%27 / 28
Total Risk-Based Capital Ratio9.56%12.59%14.62%18.18%Beats 4%27 / 28
Equity / Assets7.66%9.58%11.17%13.58%Beats 4%27 / 28
Liquidity & Funding
Loans / Deposits101.08%66.90%84.79%89.14%93rd pctl2 / 28
Loans / Assets78.59%57.58%73.59%77.32%82nd pctl5 / 28
Brokered Deposits / Depositsn/aNot reported for this institution