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Plainscapital Bank

University Park, TX · Cert 17491 · Diamond HTH Stock Co. Gp LLC

State charter, Fed member · FED · 55 branches

Q2 2026

$12.7BAssets
$9.3BLoans
$10.7BDeposits
$1.4BEquity
Loan mix
88%RE $7.3B12%C&I $1.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $7.9B26%Noninterest $2.8BQ2 2025Q2 2026

NIM

5.18%Q2 ’244.96%Q2 ’254.85%Q2 ’26+5%+11%

Non-interest income vs. expense

4.37%Q2 ’244.23%Q2 ’254.50%Q2 ’26-9%+20%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.6% share · #17 of 166 inst. · $4.6B of $732.8B

0.8% Dallas
15.3% Lubbock
2.2% Travis
1.3% Tarrant

Executive Summary

  • Earnings: ROA of 1.11%, up 5 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 1.03% of loans (-14 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 9.73%, down 98 bps from a year ago.
  • Funding: loans stand at 87.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+31 bps YoY

Efficiency Ratio (YTD, annualized)

74.95%+83 bps YoY

Tier 1 Leverage Ratio

9.73%-98 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.09%1.05%1.06%1.11%+5 bps
Return on Equity9.25%9.38%9.06%9.37%9.99%+74 bps
Net Interest Margin2.94%3.00%3.01%3.20%3.25%+31 bps
Efficiency Ratio74.13%74.70%74.52%74.91%74.95%+83 bps
Non-Interest Burden1.41%1.49%1.50%1.68%1.68%+28 bps
Growth
Asset Growth (YoY)-2.55%-4.52%-4.35%-3.38%2.22%+477 bps
Loan Growth (YoY)-4.60%2.40%5.59%5.69%6.93%+1,153 bps
Deposit Growth (YoY)0.62%-1.81%-3.05%-2.32%1.62%+100 bps
Asset Quality
Nonperforming Loans / Loans1.17%1.10%0.98%1.14%1.03%-14 bps
Net Charge-Offs / Loans0.12%0.08%0.19%0.19%0.16%+4 bps
Allowance / Loans1.13%1.09%1.03%1.00%0.91%-22 bps
Allowance Coverage of NPLs1.0x1.0x1.0x0.9x0.9x-0.1x
Capital
Tier 1 Leverage Ratio10.71%10.74%10.60%9.54%9.73%-98 bps
Total Risk-Based Capital16.29%15.96%15.60%13.77%13.47%-281 bps
Equity / Assets12.10%11.88%11.81%10.87%10.75%-136 bps
Liquidity & Funding
Loans / Deposits82.69%81.43%81.71%83.15%87.01%+432 bps
Liquid Assets / Assets12.79%14.27%13.77%11.72%10.73%-205 bps
CRE / Total Capitaln/a335%339%391%n/an/a