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Letter portraitLegal landscapeQuarterYTD

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