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United Texas Bank, National Association

Dallas, TX · Cert 26626 · Utb Financial Holding Co.

National charter · OCC · 3 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

2

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

5

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

United Texas Bank, National Association

Dallas, TX · Cert 26626 · Utb Financial Holding Co.

National charter · OCC · 3 branches

Q2 2026

$1.1BAssets
$641.7MLoans
$790.8MDeposits
$167.1MEquity
Loan mix
89%RE $551.0M11%C&I $68.3M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $705.6M11%Noninterest $85.2MQ2 2025Q2 2026

NIM

5.93%Q2 ’246.14%Q2 ’255.20%Q2 ’26+2%-28%

Non-interest income vs. expense

2.68%Q2 ’242.71%Q2 ’252.82%Q2 ’26-23%+75%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #56 of 166 inst. · $0.8B of $732.8B

Executive Summary

  • Earnings: ROA of 0.15%, down 139 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.00% of loans (-295 bps YoY), with net recoveries of 0.30%.
  • Capital: tier 1 leverage ratio of 16.02%, down 8 bps from a year ago.
  • Funding: loans stand at 81.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.15%-139 bps YoY

Net Interest Margin (YTD, annualized)

2.38%-93 bps YoY

Efficiency Ratio (YTD, annualized)

96.52%+3,910 bps YoY

Tier 1 Leverage Ratio

16.02%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.09%0.94%0.24%0.15%-139 bps
Return on Equity9.78%6.86%5.92%1.51%0.97%-881 bps
Net Interest Margin3.32%2.97%2.80%2.35%2.38%-93 bps
Efficiency Ratio57.41%63.25%67.47%90.26%96.52%+3,910 bps
Non-Interest Burden1.30%1.42%1.51%2.04%2.28%+98 bps
Growth
Asset Growth (YoY)-3.36%-1.29%-1.59%-2.58%4.41%+777 bps
Loan Growth (YoY)0.74%12.96%13.92%26.67%20.03%+1,929 bps
Deposit Growth (YoY)-3.44%6.73%3.76%3.25%9.61%+1,305 bps
Asset Quality
Nonperforming Loans / Loans2.95%2.64%0.06%0.06%0.00%-295 bps
Net Charge-Offs / Loans0.00%0.00%0.46%-0.57%-0.30%-30 bps
Allowance / Loans1.20%1.43%1.02%1.10%1.06%-15 bps
Allowance Coverage of NPLs0.4x0.5x16.5x19.6xn/an/a
Capital
Tier 1 Leverage Ratio16.09%15.64%15.50%15.75%16.02%-8 bps
Total Risk-Based Capital16.09%15.64%15.50%15.75%16.02%-8 bps
Equity / Assets16.73%16.11%15.75%16.25%15.86%-87 bps
Liquidity & Funding
Loans / Deposits74.10%77.50%72.76%84.76%81.14%+704 bps
Liquid Assets / Assets29.82%29.11%31.57%22.13%25.09%-473 bps
CRE / Total Capitaln/a243%229%240%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

United Texas Bank, National Association

Dallas, TX · Cert 26626 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Utb Financial Holding Co.

National charter · OCC · 3 branches

Q2 2026

$1.1BAssets
$641.7MLoans
$790.8MDeposits
$167.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 4 of 20).
  • Widest gap: return on equity trails 100% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 20 of 20).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.15%

Rank 20 of 20

Net Interest Margin

2.38%

Rank 19 of 20

Efficiency Ratio

96.52%

Rank 20 of 20

Equity / Assets

15.86%

Rank 3 of 20

Non-interest income vs. expense

$5.7M$29.4MINCOMEEXPENSE
Unfavorable gap of $23.8M · efficiency ratio beats 5% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 96.52%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.15%0.68%1.15%1.86%Beats 0%20 / 20
Return on Equity0.97%7.45%10.95%14.25%Beats 0%20 / 20
Net Interest Margin2.38%2.87%3.58%4.28%Beats 5%19 / 20
Efficiency Ratio96.52%52.33%65.48%74.79%Beats 5%20 / 20
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.42%1.54%Beats 100%4 / 20
Net Charge-Offs / Loans0.00%0.00%0.02%0.14%Beats 75%6 / 20
Capital
Tier 1 Capital Ratio16.02%13.35%15.71%17.39%Beats 55%9 / 20
Total Risk-Based Capital Ratio16.02%14.55%16.02%18.64%Beats 50%10 / 20
Equity / Assets15.86%9.74%11.64%13.21%Beats 85%3 / 20
Liquidity & Funding
Loans / Deposits81.14%72.63%81.14%96.60%50th pctl10 / 20
Loans / Assets60.92%60.26%69.54%79.68%30th pctl14 / 20
Brokered Deposits / Depositsn/aNot reported for this institution