PackageTrendsPeer
Letter portraitLegal landscape

Texasbank

Fort Worth, TX · Cert 19559 · Texas Banc Financial Corp.

State charter, non-member · FDIC · 19 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

70

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

Texasbank

Fort Worth, TX · Cert 19559 · Texas Banc Financial Corp.

State charter, non-member · FDIC · 19 branches

Q2 2026

$2.5BAssets
$2.1BLoans
$2.0BDeposits
$313.6MEquity
Loan mix
97%RE $2.0B3%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.6B19%Noninterest $0.4BQ2 2025Q2 2026

NIM

6.64%Q2 ’246.90%Q2 ’256.97%Q2 ’26+9%+20%

Non-interest income vs. expense

2.30%Q2 ’242.64%Q2 ’252.87%Q2 ’26+19%-1%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #41 of 166 inst. · $1.3B of $732.8B

1.3% Tarrant
37.7% Brown
6.3% Parker
18.7% Erath

Executive Summary

  • Earnings: ROA of 1.83%, up 56 bps year over year; NIM at 4.72%.
  • Asset quality: problem loans at 0.41% of loans (-30 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 12.87%, up 142 bps from a year ago.
  • Funding: loans stand at 106.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.83%+56 bps YoY

Net Interest Margin (YTD, annualized)

4.72%+80 bps YoY

Efficiency Ratio (YTD, annualized)

52.77%-759 bps YoY

Tier 1 Leverage Ratio

12.87%+142 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.36%1.42%1.82%1.83%+56 bps
Return on Equity11.57%12.21%12.44%14.71%14.67%+310 bps
Net Interest Margin3.92%4.15%4.22%4.59%4.72%+80 bps
Efficiency Ratio60.36%58.95%58.85%51.74%52.77%-759 bps
Non-Interest Burden2.19%2.25%2.28%1.95%2.15%-3 bps
Growth
Asset Growth (YoY)3.91%1.16%-6.14%-4.26%2.58%-133 bps
Loan Growth (YoY)13.83%13.50%8.90%11.14%9.17%-466 bps
Deposit Growth (YoY)6.18%2.59%-6.34%-4.25%3.51%-267 bps
Asset Quality
Nonperforming Loans / Loans0.71%0.60%1.78%0.47%0.41%-30 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.17%0.11%+10 bps
Allowance / Loans1.16%1.17%1.20%1.20%1.19%+4 bps
Allowance Coverage of NPLs1.6x2.0x0.7x2.5x2.9x+1.3x
Capital
Tier 1 Leverage Ratio11.45%12.02%12.30%12.67%12.87%+142 bps
Total Risk-Based Capital18.30%18.72%19.16%18.84%18.64%+34 bps
Equity / Assets11.61%11.79%12.37%12.35%12.65%+104 bps
Liquidity & Funding
Loans / Deposits101.01%101.25%103.99%102.52%106.54%+553 bps
Liquid Assets / Assets14.52%14.53%12.85%12.01%9.34%-519 bps
CRE / Total Capitaln/a267%254%264%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

Texasbank

Fort Worth, TX · Cert 19559 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Texas Banc Financial Corp.

State charter, non-member · FDIC · 19 branches

Q2 2026

$2.5BAssets
$2.1BLoans
$2.0BDeposits
$313.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 85% 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 65% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 14 of 20).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.80%

Rank 6 of 20

Net Interest Margin

4.72%

Rank 3 of 20

Efficiency Ratio

52.77%

Rank 7 of 20

Equity / Assets

12.65%

Rank 6 of 20

Non-interest income vs. expense

$17.4M$70.3MINCOMEEXPENSE
Unfavorable gap of $52.9M · efficiency ratio beats 70% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 52.77%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.80%0.68%1.15%1.86%Beats 70%6 / 20
Return on Equity14.25%7.45%10.95%14.25%Beats 75%5 / 20
Net Interest Margin4.72%2.87%3.58%4.28%Beats 85%3 / 20
Efficiency Ratio52.77%52.33%65.48%74.79%Beats 70%7 / 20
Asset Quality
Nonperforming Loans / Loans0.41%0.18%0.42%1.54%Beats 55%10 / 20
Net Charge-Offs / Loans0.06%0.00%0.02%0.14%Beats 35%14 / 20
Capital
Tier 1 Capital Ratio17.39%13.35%15.71%17.39%Beats 75%5 / 20
Total Risk-Based Capital Ratio18.64%14.55%16.02%18.64%Beats 75%5 / 20
Equity / Assets12.65%9.74%11.64%13.21%Beats 70%6 / 20
Liquidity & Funding
Loans / Deposits106.54%72.63%81.14%96.60%95th pctl1 / 20
Loans / Assets86.25%60.26%69.54%79.68%90th pctl2 / 20
Brokered Deposits / Depositsn/aNot reported for this institution