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Inwood National Bank

Dallas, TX · Cert 19080 · Inwood Bancshares Inc.

National charter · OCC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

90

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

Inwood National Bank

Dallas, TX · Cert 19080 · Inwood Bancshares Inc.

National charter · OCC · 12 branches

Q2 2026

$4.3BAssets
$2.5BLoans
$3.7BDeposits
$495.7MEquity
Loan mix
95%RE $2.4B4%C&I $0.1B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $2.5B31%Noninterest $1.1BQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.5% share · #20 of 166 inst. · $3.7B of $732.8B

0.9% Dallas
0.7% Collin
8.4% Rockwall
0.2% Tarrant

Executive Summary

  • Earnings: ROA of 1.23%, up 32 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.37% of loans (-39 bps YoY), with net charge-offs at 0.41%.
  • Capital: tier 1 leverage ratio of 10.79%, up 63 bps from a year ago.
  • Funding: loans stand at 67.74% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.23%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+65 bps YoY

Efficiency Ratio (YTD, annualized)

38.17%-1,073 bps YoY

Tier 1 Leverage Ratio

10.79%+63 bps YoY

NIM

3.91%Q2 ’244.19%Q2 ’254.38%Q2 ’26+44%+29%

Non-interest income vs. expense

1.08%Q2 ’241.14%Q2 ’251.14%Q2 ’26+4%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.57%0.88%0.91%0.98%0.97%1.19%1.23%+32 bps
Return on Equity5.23%5.85%8.49%8.69%9.24%9.16%10.92%11.07%+238 bps
Net Interest Margin1.55%1.63%2.09%2.22%2.24%2.34%2.74%2.87%+65 bps
Efficiency Ratio62.35%60.15%49.31%48.90%47.49%47.02%38.44%38.17%-1,073 bps
Non-Interest Burden0.91%0.92%0.96%1.01%0.99%1.02%0.97%1.01%0 bps
Growth
Asset Growth (YoY)8.01%4.20%-1.49%-8.10%-6.31%0.69%1.38%0.59%+868 bps
Loan Growth (YoY)2.26%0.29%-2.66%-2.25%-2.78%3.52%3.12%1.69%+394 bps
Deposit Growth (YoY)10.19%6.70%7.74%-2.06%-0.93%4.91%0.74%-0.42%+163 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.74%0.76%0.75%0.76%0.56%0.49%0.37%-39 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.16%0.32%0.41%+41 bps
Allowance / Loans0.88%0.87%0.91%0.88%0.89%0.83%0.87%0.87%-2 bps
Allowance Coverage of NPLs1.2x1.2x1.2x1.2x1.2x1.5x1.8x2.4x+1.2x
Capital
Tier 1 Leverage Ratio9.04%9.24%9.80%10.16%10.07%10.16%10.52%10.79%+63 bps
Total Risk-Based Capital14.62%15.30%15.93%15.84%16.20%15.86%16.72%16.98%+114 bps
Equity / Assets9.50%10.10%10.54%10.88%10.70%10.63%11.09%11.64%+75 bps
Liquidity & Funding
Loans / Deposits64.44%65.29%63.08%66.33%63.23%64.42%64.57%67.74%+141 bps
Liquid Assets / Assets44.79%43.11%42.42%39.98%42.68%41.80%41.84%39.32%-66 bps
CRE / Total Capitaln/an/an/an/a449%459%436%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

Inwood National Bank

Dallas, TX · Cert 19080 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Inwood Bancshares Inc.

National charter · OCC · 12 branches

Q2 2026

$4.3BAssets
$2.5BLoans
$3.7BDeposits
$495.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 90% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 3 of 20).
  • Widest gap: net charge-offs / loans trails 85% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 18 of 20).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.27%

Rank 9 of 20

Net Interest Margin

2.87%

Rank 15 of 20

Efficiency Ratio

38.17%

Rank 3 of 20

Equity / Assets

11.64%

Rank 10 of 20

Non-interest income vs. expense

$5.6M$49.3MINCOMEEXPENSE
Unfavorable gap of $43.7M · efficiency ratio beats 90% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 38.17%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.27%0.68%1.15%1.86%Beats 55%9 / 20
Return on Equity10.95%7.45%10.95%14.25%Beats 50%10 / 20
Net Interest Margin2.87%2.87%3.58%4.28%Beats 25%15 / 20
Efficiency Ratio38.17%52.33%65.48%74.79%Beats 90%3 / 20
Asset Quality
Nonperforming Loans / Loans0.37%0.18%0.42%1.54%Beats 65%8 / 20
Net Charge-Offs / Loans0.20%0.00%0.02%0.14%Beats 15%18 / 20
Capital
Tier 1 Capital Ratio16.18%13.35%15.71%17.39%Beats 60%8 / 20
Total Risk-Based Capital Ratio16.98%14.55%16.02%18.64%Beats 60%8 / 20
Equity / Assets11.64%9.74%11.64%13.21%Beats 50%10 / 20
Liquidity & Funding
Loans / Deposits67.74%72.63%81.14%96.60%20th pctl16 / 20
Loans / Assets58.25%60.26%69.54%79.68%20th pctl16 / 20
Brokered Deposits / Depositsn/aNot reported for this institution