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Texas Bank and Trust Company

Longview, TX · Cert 17842 · RJ Pope Management Gp LLC

State charter, non-member · FDIC · 21 branches

Q2 2026

$4.3BAssets
$3.4BLoans
$3.8BDeposits
$559.9MEquity
Loan mix
90%RE $3.0B9%C&I $0.3B1%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $2.6B30%Noninterest $1.1BQ3 2024Q2 2026

Market Position · Longview, TX · 2026 SOD (annual) · 23.0% share · #1 of 25 inst. · $1.8B of $8.0B

34.6% Gregg
7.6% Smith
1.4% Collin
21.6% Van Zandt

Executive Summary

  • Earnings: ROA of 1.54%, up 37 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.61% of loans (+32 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.10%, up 144 bps from a year ago.
  • Funding: loans stand at 91.52% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.54%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+59 bps YoY

Efficiency Ratio (YTD, annualized)

54.69%-559 bps YoY

Tier 1 Leverage Ratio

13.10%+144 bps YoY

NIM

4.68%Q2 ’244.84%Q2 ’255.11%Q2 ’26+19%+20%

Non-interest income vs. expense

2.22%Q2 ’242.25%Q2 ’252.40%Q2 ’26+13%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.99%1.04%1.16%1.25%1.32%1.44%1.54%+37 bps
Return on Equity9.34%9.64%9.65%10.57%11.20%11.63%11.87%12.39%+182 bps
Net Interest Margin2.52%2.55%2.88%2.99%3.08%3.16%3.47%3.58%+59 bps
Efficiency Ratio65.94%64.82%63.16%60.28%58.59%57.81%56.65%54.69%-559 bps
Non-Interest Burden1.36%1.36%1.55%1.50%1.47%1.49%1.63%1.57%+8 bps
Growth
Asset Growth (YoY)2.09%-0.68%0.69%0.99%-1.72%0.30%1.22%-0.08%-106 bps
Loan Growth (YoY)2.63%1.29%1.25%1.01%-1.01%-2.17%-3.18%-1.66%-267 bps
Deposit Growth (YoY)0.82%4.52%1.00%2.72%0.75%-1.37%0.46%-1.17%-389 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.13%0.08%0.29%0.28%0.40%0.29%0.61%+32 bps
Net Charge-Offs / Loans0.04%0.04%0.13%0.07%0.06%0.05%0.01%0.01%-6 bps
Allowance / Loans1.25%1.25%1.21%1.22%1.21%1.20%1.22%1.22%0 bps
Allowance Coverage of NPLs7.2x9.4x14.7x4.2x4.3x3.0x4.2x2.0x-2.2x
Capital
Tier 1 Leverage Ratio10.91%10.99%11.31%11.66%11.92%12.29%12.52%13.10%+144 bps
Total Risk-Based Capital14.17%14.67%14.85%15.31%15.64%16.42%17.08%17.10%+179 bps
Equity / Assets10.48%10.70%10.88%11.45%11.70%12.17%12.11%12.90%+146 bps
Liquidity & Funding
Loans / Deposits92.58%90.93%90.33%91.98%90.97%90.19%87.05%91.52%-46 bps
Liquid Assets / Assets4.26%3.54%4.47%3.51%5.35%6.50%9.99%5.78%+227 bps
CRE / Total Capitaln/an/an/an/a425%403%390%n/an/a