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Bank of Texas

Midland, TX · Cert 18576 · Tall City Bancshares Inc.

State charter, Fed member · FED · 3 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 TX3

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 TX (n=208 to 211). 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

92

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

Bank of Texas

Midland, TX · Cert 18576 · Tall City Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$543.6MAssets
$391.2MLoans
$451.2MDeposits
$70.2MEquity
Loan mix
62%RE $249.9M38%C&I $151.0M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $333.0M26%Noninterest $118.2MQ2 2025Q2 2026

NIM

7.00%Q2 ’246.25%Q2 ’255.83%Q2 ’26-17%-11%

Non-interest income vs. expense

1.37%Q2 ’241.41%Q2 ’251.46%Q2 ’26+4%+3%

Market Position · Midland, TX · 2026 SOD (annual) · 2.6% share · #9 of 15 inst. · $0.2B of $9.3B

2.7% Midland
1.4% El Paso
100.0% Kent

Executive Summary

  • Earnings: ROA of 1.65%, down 37 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.48% of loans (-86 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.01%, up 138 bps from a year ago.
  • Funding: loans stand at 86.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.65%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-41 bps YoY

Efficiency Ratio (YTD, annualized)

40.79%+542 bps YoY

Tier 1 Leverage Ratio

13.01%+138 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.02%2.13%2.08%1.78%1.65%-37 bps
Return on Equity17.87%18.40%17.51%13.89%12.86%-501 bps
Net Interest Margin3.92%4.13%3.91%3.77%3.51%-41 bps
Efficiency Ratio35.37%34.28%35.25%39.25%40.79%+542 bps
Non-Interest Burden1.34%1.37%1.33%1.43%1.39%+5 bps
Growth
Asset Growth (YoY)-4.50%0.85%0.09%-1.36%3.83%+833 bps
Loan Growth (YoY)-6.81%-8.47%-10.43%-5.06%-2.16%+465 bps
Deposit Growth (YoY)-4.48%-0.45%-1.60%-2.41%9.64%+1,412 bps
Asset Quality
Nonperforming Loans / Loans1.34%0.13%0.09%0.48%0.48%-86 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.43%1.43%1.40%1.41%1.46%+3 bps
Allowance Coverage of NPLs1.1x11.4x15.7x2.9x3.0x+1.9x
Capital
Tier 1 Leverage Ratio11.63%12.48%12.59%13.04%13.01%+138 bps
Total Risk-Based Capital14.13%15.35%15.50%15.39%16.33%+220 bps
Equity / Assets12.05%12.26%13.07%12.54%12.91%+86 bps
Liquidity & Funding
Loans / Deposits97.15%91.23%96.85%92.02%86.69%-1,046 bps
Liquid Assets / Assets20.52%22.89%19.41%22.80%25.17%+465 bps
CRE / Total Capitaln/a335%330%332%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

Bank of Texas

Midland, TX · Cert 18576 · Peer group: banks under $1B in assets in TX (n=208-211) · Tall City Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$543.6MAssets
$391.2MLoans
$451.2MDeposits
$70.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: net interest margin trails 65% of banks under $1B in assets in TX (rank 137 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.63%

Rank 54 of 211

Net Interest Margin

3.51%

Rank 137 of 211

Efficiency Ratio

40.79%

Rank 17 of 211

Equity / Assets

12.91%

Rank 54 of 211

Non-interest income vs. expense

$0.4M$7.9MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 92% of banks under $1B in assets in TX
Bank 40.79%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.63%0.87%1.20%1.65%Beats 74%54 / 211
Return on Equity12.65%7.52%11.67%14.58%Beats 57%90 / 211
Net Interest Margin3.51%3.28%3.82%4.31%Beats 35%137 / 211
Efficiency Ratio40.79%53.01%64.18%73.65%Beats 92%17 / 211
Asset Quality
Nonperforming Loans / Loans0.48%0.01%0.30%1.10%Beats 40%125 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio15.09%11.72%14.45%19.57%Beats 55%96 / 211
Total Risk-Based Capital Ratio16.33%11.94%14.78%20.30%Beats 59%86 / 211
Equity / Assets12.91%9.41%11.06%12.94%Beats 74%54 / 211
Liquidity & Funding
Loans / Deposits86.69%45.39%66.56%82.03%84th pctl33 / 208
Loans / Assets71.96%39.13%56.90%70.46%79th pctl44 / 211
Brokered Deposits / Depositsn/aNot reported for this institution