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Bank of the West

Grapevine, TX · Cert 26627 · Greater SW Bancshares Inc.

State charter, non-member · FDIC · 10 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

90

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

50

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

Bank of the West

Grapevine, TX · Cert 26627 · Greater SW Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$829.8MAssets
$503.4MLoans
$747.1MDeposits
$77.1MEquity
Loan mix
91%RE $435.1M8%C&I $40.6M1%Consumer $3.1MQ3 2024Q2 2026
Deposit mix
62%Interest-bearing $462.7M38%Noninterest $284.4MQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #62 of 166 inst. · $0.7B of $732.8B

0.1% Dallas
0.3% Tarrant
0.1% Denton
1.7% Llano

Executive Summary

  • Earnings: ROA of 1.26%, down 9 bps year over year; NIM at 4.10%.
  • 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 9.66%, up 28 bps from a year ago.
  • Funding: loans stand at 67.39% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.26%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.10%-10 bps YoY

Efficiency Ratio (YTD, annualized)

61.94%+198 bps YoY

Tier 1 Leverage Ratio

9.66%+28 bps YoY

NIM

5.52%Q2 ’245.70%Q2 ’255.61%Q2 ’26+9%-2%

Non-interest income vs. expense

2.73%Q2 ’242.71%Q2 ’252.75%Q2 ’26+1%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.25%1.22%1.35%1.40%1.34%1.24%1.26%-9 bps
Return on Equity15.64%15.44%14.25%15.46%15.81%15.11%13.41%13.59%-187 bps
Net Interest Margin3.92%3.93%4.12%4.20%4.33%4.18%4.05%4.10%-10 bps
Efficiency Ratio62.39%63.31%62.69%59.96%59.28%61.15%61.92%61.94%+198 bps
Non-Interest Burden2.31%2.35%2.45%2.39%2.41%2.42%2.38%2.41%+2 bps
Growth
Asset Growth (YoY)4.54%2.03%-4.02%-2.11%1.35%3.36%1.23%8.91%+1,103 bps
Loan Growth (YoY)4.09%8.49%11.44%10.62%10.25%5.04%0.27%-2.04%-1,265 bps
Deposit Growth (YoY)3.64%1.30%-5.30%-3.25%0.62%2.56%0.22%8.76%+1,201 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.56%0.76%0.00%0.00%0.00%0.14%0.00%0 bps
Net Charge-Offs / Loans0.01%0.02%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.12%1.05%1.03%1.02%1.05%1.11%1.11%1.09%+7 bps
Allowance Coverage of NPLs1.8x1.9x1.4xn/an/an/a8.2xn/an/a
Capital
Tier 1 Leverage Ratio8.64%8.66%9.10%9.37%9.72%9.42%9.47%9.66%+28 bps
Total Risk-Based Capital16.06%15.75%15.49%15.45%15.70%16.32%16.58%16.53%+108 bps
Equity / Assets8.48%8.39%8.68%9.20%9.07%9.03%9.48%9.29%+9 bps
Liquidity & Funding
Loans / Deposits64.60%66.44%69.06%74.81%70.79%68.05%69.09%67.39%-743 bps
Liquid Assets / Assets27.21%24.63%22.58%17.23%21.53%24.46%22.92%24.63%+741 bps
CRE / Total Capitaln/an/an/an/a442%420%407%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

Bank of the West

Grapevine, TX · Cert 26627 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Greater SW Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$829.8MAssets
$503.4MLoans
$747.1MDeposits
$77.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 9 of 28).
  • Widest gap: equity / assets trails 82% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 23 of 28).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.25%

Rank 13 of 28

Net Interest Margin

4.10%

Rank 13 of 28

Efficiency Ratio

61.94%

Rank 15 of 28

Equity / Assets

9.29%

Rank 23 of 28

Non-interest income vs. expense

$2.8M$22.3MINCOMEEXPENSE
Unfavorable gap of $19.5M · efficiency ratio beats 50% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 61.94%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.25%1.12%1.22%1.47%Beats 54%13 / 28
Return on Equity13.41%8.64%12.47%13.41%Beats 75%7 / 28
Net Interest Margin4.10%3.77%4.06%4.51%Beats 54%13 / 28
Efficiency Ratio61.94%57.39%61.94%66.78%Beats 50%15 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.28%1.06%Beats 100%9 / 28
Net Charge-Offs / Loans0.00%0.00%0.01%0.20%Beats 79%7 / 28
Capital
Tier 1 Capital Ratio15.31%12.55%13.77%17.51%Beats 68%9 / 28
Total Risk-Based Capital Ratio16.53%12.59%14.62%18.18%Beats 68%9 / 28
Equity / Assets9.29%9.58%11.17%13.58%Beats 18%23 / 28
Liquidity & Funding
Loans / Deposits67.39%66.90%84.79%89.14%29th pctl20 / 28
Loans / Assets60.67%57.58%73.59%77.32%32nd pctl19 / 28
Brokered Deposits / Depositsn/aNot reported for this institution