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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.26%	1.36%	1.42%	1.82%	1.83%	+56 bps
Return on Equity	11.57%	12.21%	12.44%	14.71%	14.67%	+310 bps
Net Interest Margin	3.92%	4.15%	4.22%	4.59%	4.72%	+80 bps
Efficiency Ratio	60.36%	58.95%	58.85%	51.74%	52.77%	-759 bps
Non-Interest Burden	2.19%	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 / Loans	0.71%	0.60%	1.78%	0.47%	0.41%	-30 bps
Net Charge-Offs / Loans	0.01%	0.01%	0.01%	0.17%	0.11%	+10 bps
Allowance / Loans	1.16%	1.17%	1.20%	1.20%	1.19%	+4 bps
Allowance Coverage of NPLs	1.6x	2.0x	0.7x	2.5x	2.9x	+1.3x
Capital
Tier 1 Leverage Ratio	11.45%	12.02%	12.30%	12.67%	12.87%	+142 bps
Total Risk-Based Capital	18.30%	18.72%	19.16%	18.84%	18.64%	+34 bps
Equity / Assets	11.61%	11.79%	12.37%	12.35%	12.65%	+104 bps
Liquidity & Funding
Loans / Deposits	101.01%	101.25%	103.99%	102.52%	106.54%	+553 bps
Liquid Assets / Assets	14.52%	14.53%	12.85%	12.01%	9.34%	-519 bps
CRE / Total Capital	n/a	267%	254%	264%	n/a	n/a