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NBT Financial Bank

Fort Worth, TX · Cert 21329 · Horizon Bankshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). 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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

43

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

NBT Financial Bank

Fort Worth, TX · Cert 21329 · Horizon Bankshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$618.7MAssets
$458.4MLoans
$540.1MDeposits
$64.8MEquity
Loan mix
79%RE $344.9M20%C&I $85.9M1%Consumer $5.9MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $378.3M30%Noninterest $161.9MQ2 2025Q2 2026

NIM

6.42%Q2 ’246.24%Q2 ’256.05%Q2 ’26-2%0%

Non-interest income vs. expense

3.34%Q2 ’243.03%Q2 ’253.09%Q2 ’26-9%-11%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #71 of 166 inst. · $0.5B of $732.8B

0.5% Tarrant
3.7% Johnson
2.9% Parker

Executive Summary

  • Earnings: ROA of 1.29%, up 13 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 2.29% of loans (+12 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.85%, up 16 bps from a year ago.
  • Funding: loans stand at 84.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.18%-1 bps YoY

Efficiency Ratio (YTD, annualized)

63.02%-352 bps YoY

Tier 1 Leverage Ratio

10.85%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.14%1.18%1.48%1.29%+13 bps
Return on Equity10.85%10.99%11.33%14.07%12.30%+144 bps
Net Interest Margin4.20%4.19%3.93%4.14%4.18%-1 bps
Efficiency Ratio66.53%66.30%64.66%58.10%63.02%-352 bps
Non-Interest Burden2.68%2.66%2.43%1.93%2.37%-31 bps
Growth
Asset Growth (YoY)13.13%22.26%19.72%13.28%15.46%+233 bps
Loan Growth (YoY)16.10%10.31%0.88%0.62%-0.70%-1,681 bps
Deposit Growth (YoY)11.58%24.40%17.96%17.11%14.77%+319 bps
Asset Quality
Nonperforming Loans / Loans2.17%2.18%2.33%2.28%2.29%+12 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.04%0.02%+2 bps
Allowance / Loans1.17%1.18%1.27%1.35%1.29%+12 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.6x0.6x0.0x
Capital
Tier 1 Leverage Ratio10.69%10.70%10.29%10.79%10.85%+16 bps
Total Risk-Based Capital14.16%14.13%15.18%15.28%15.31%+115 bps
Equity / Assets10.71%9.59%10.47%10.53%10.47%-24 bps
Liquidity & Funding
Loans / Deposits98.10%89.46%86.52%86.17%84.87%-1,322 bps
Liquid Assets / Assets7.81%19.40%18.98%19.44%20.39%+1,258 bps
CRE / Total Capitaln/a391%349%350%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

NBT Financial Bank

Fort Worth, TX · Cert 21329 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Horizon Bankshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$618.7MAssets
$458.4MLoans
$540.1MDeposits
$64.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 61% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 11 of 28).
  • Widest gap: nonperforming loans / loans trails 86% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 25 of 28).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.25%

Rank 12 of 28

Net Interest Margin

4.18%

Rank 11 of 28

Efficiency Ratio

63.02%

Rank 17 of 28

Equity / Assets

10.47%

Rank 16 of 28

Non-interest income vs. expense

$4.4M$18.6MINCOMEEXPENSE
Unfavorable gap of $14.3M · efficiency ratio beats 43% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 63.02%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%1.12%1.22%1.47%Beats 57%12 / 28
Return on Equity11.98%8.64%12.47%13.41%Beats 43%16 / 28
Net Interest Margin4.18%3.77%4.06%4.51%Beats 61%11 / 28
Efficiency Ratio63.02%57.39%61.94%66.78%Beats 43%17 / 28
Asset Quality
Nonperforming Loans / Loans2.29%n/a0.28%1.06%Beats 14%25 / 28
Net Charge-Offs / Loans0.02%0.00%0.01%0.20%Beats 46%16 / 28
Capital
Tier 1 Capital Ratio14.06%12.55%13.77%17.51%Beats 54%13 / 28
Total Risk-Based Capital Ratio15.31%12.59%14.62%18.18%Beats 57%12 / 28
Equity / Assets10.47%9.58%11.17%13.58%Beats 43%16 / 28
Liquidity & Funding
Loans / Deposits84.87%66.90%84.79%89.14%54th pctl13 / 28
Loans / Assets74.10%57.58%73.59%77.32%54th pctl13 / 28
Brokered Deposits / Depositsn/aNot reported for this institution