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Tib, National Association

Farmers Branch, TX · Cert 23647 · Tib Inc.

National charter · OCC · 5 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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

60

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

Tib, National Association

Farmers Branch, TX · Cert 23647 · Tib Inc.

National charter · OCC · 5 branches

Q2 2026

$3.0BAssets
$1.8BLoans
$2.4BDeposits
$432.2MEquity
Loan mix
76%RE $760.8M18%C&I $175.8M7%Consumer $65.3MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $1.8B22%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.85%Q2 ’245.28%Q2 ’255.00%Q2 ’26+20%+10%

Non-interest income vs. expense

3.36%Q2 ’243.37%Q2 ’253.07%Q2 ’26+145%-48%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #32 of 166 inst. · $1.6B of $732.8B

0.5% Dallas
4.3% Sangamon
0.9% Gwinnett
0.1% Orange

Executive Summary

  • Earnings: ROA of 1.85%, up 43 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.84% of loans (+4 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 13.22%, up 63 bps from a year ago.
  • Funding: loans stand at 75.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.85%+43 bps YoY

Net Interest Margin (YTD, annualized)

2.51%+22 bps YoY

Efficiency Ratio (YTD, annualized)

57.52%-758 bps YoY

Tier 1 Leverage Ratio

13.22%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.44%1.40%1.34%1.85%+43 bps
Return on Equity10.74%10.81%10.39%9.57%12.99%+224 bps
Net Interest Margin2.29%2.31%2.28%2.45%2.51%+22 bps
Efficiency Ratio65.10%64.35%65.87%64.15%57.52%-758 bps
Non-Interest Burden0.49%0.48%0.59%0.64%0.25%-24 bps
Growth
Asset Growth (YoY)2.56%1.60%0.57%1.02%-1.24%-380 bps
Loan Growth (YoY)12.09%4.20%-0.60%-1.36%-6.29%-1,838 bps
Deposit Growth (YoY)-1.42%1.14%0.71%1.52%-2.99%-157 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.87%0.89%0.79%0.84%+4 bps
Net Charge-Offs / Loans0.20%0.19%0.19%0.29%0.26%+6 bps
Allowance / Loans1.26%1.39%1.40%1.49%1.44%+17 bps
Allowance Coverage of NPLs1.6x1.6x1.6x1.9x1.7x+0.1x
Capital
Tier 1 Leverage Ratio12.59%12.66%12.56%12.94%13.22%+63 bps
Total Risk-Based Capital18.33%20.17%20.99%21.70%21.75%+342 bps
Equity / Assets13.32%13.74%14.03%14.06%14.60%+128 bps
Liquidity & Funding
Loans / Deposits78.06%75.09%73.22%71.80%75.41%-266 bps
Liquid Assets / Assets26.26%28.39%28.47%31.29%29.34%+308 bps
CRE / Total Capitaln/a78.60%74.34%71.93%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

Tib, National Association

Farmers Branch, TX · Cert 23647 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Tib Inc.

National charter · OCC · 5 branches

Q2 2026

$3.0BAssets
$1.8BLoans
$2.4BDeposits
$432.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 85% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 3 of 20).
  • Widest gap: net interest margin trails 85% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 17 of 20).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.86%

Rank 5 of 20

Net Interest Margin

2.51%

Rank 17 of 20

Efficiency Ratio

57.69%

Rank 9 of 20

Equity / Assets

14.60%

Rank 4 of 20

Non-interest income vs. expense

$92.2M$100.4MINCOMEEXPENSE
Unfavorable gap of $8.3M · efficiency ratio beats 60% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 57.69%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.86%0.68%1.15%1.86%Beats 75%5 / 20
Return on Equity12.73%7.45%10.95%14.25%Beats 65%7 / 20
Net Interest Margin2.51%2.87%3.58%4.28%Beats 15%17 / 20
Efficiency Ratio57.69%52.33%65.48%74.79%Beats 60%9 / 20
Asset Quality
Nonperforming Loans / Loans0.84%0.18%0.42%1.54%Beats 35%14 / 20
Net Charge-Offs / Loans0.14%0.00%0.02%0.14%Beats 25%16 / 20
Capital
Tier 1 Capital Ratio20.49%13.35%15.71%17.39%Beats 85%3 / 20
Total Risk-Based Capital Ratio21.75%14.55%16.02%18.64%Beats 85%3 / 20
Equity / Assets14.60%9.74%11.64%13.21%Beats 80%4 / 20
Liquidity & Funding
Loans / Deposits75.41%72.63%81.14%96.60%40th pctl12 / 20
Loans / Assets60.26%60.26%69.54%79.68%25th pctl15 / 20
Brokered Deposits / Depositsn/aNot reported for this institution