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Texas Exchange Bank

Crowley, TX · Cert 20099 · Teb Trust

State charter, non-member · FDIC · 2 branches

Q2 2026

$4.5BAssets
$693.2MLoans
$2.6BDeposits
$368.9MEquity
Loan mix
17%RE $117.1M83%C&I $570.1M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $2.6B1%Noninterest $0.0BQ2 2025Q2 2026

NIM

7.89%Q2 ’246.13%Q2 ’254.96%Q2 ’26-43%-42%

Non-interest income vs. expense

3.49%Q2 ’245.15%Q2 ’256.13%Q2 ’26+15%-4%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.4% share · #25 of 166 inst. · $2.6B of $732.8B

Executive Summary

  • Earnings: ROA of 0.34%, down 99 bps year over year; NIM at 1.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.44%, up 5 bps from a year ago.
  • Funding: loans stand at 26.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.34%-99 bps YoY

Net Interest Margin (YTD, annualized)

1.99%-147 bps YoY

Efficiency Ratio (YTD, annualized)

95.17%+2,014 bps YoY

Tier 1 Leverage Ratio

12.44%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%0.55%0.61%1.09%0.34%-99 bps
Return on Equity12.18%5.44%6.29%12.39%3.89%-830 bps
Net Interest Margin3.46%3.42%3.36%2.13%1.99%-147 bps
Efficiency Ratio75.03%88.69%76.24%83.62%95.17%+2,014 bps
Non-Interest Burden1.75%2.64%1.64%0.81%1.68%-7 bps
Growth
Asset Growth (YoY)-19.38%7.81%1.57%28.12%42.54%+6,192 bps
Loan Growth (YoY)-25.32%-21.49%-19.13%-30.24%-23.70%+162 bps
Deposit Growth (YoY)7.42%6.96%-4.54%-5.82%2.07%-536 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%2.68%0.00%0.00%0 bps
Allowance / Loans1.38%1.69%1.51%1.33%1.39%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.39%11.46%12.03%12.83%12.44%+5 bps
Total Risk-Based Capital29.78%24.81%26.22%31.37%30.82%+104 bps
Equity / Assets12.82%8.11%8.57%9.10%8.21%-461 bps
Liquidity & Funding
Loans / Deposits35.08%33.80%36.72%26.61%26.23%-886 bps
Liquid Assets / Assets35.33%24.42%23.19%35.62%33.58%-176 bps
CRE / Total Capitaln/a29.06%31.25%29.39%n/an/a