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Texas Financial Bank

Eden, TX · Cert 26738 · Patrons Holdings Inc.

State charter, non-member · FDIC · 4 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 TX3

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 TX (n=208 to 211). 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

13

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

Texas Financial Bank

Eden, TX · Cert 26738 · Patrons Holdings Inc.

State charter, non-member · FDIC · 1 affiliate bank · 4 branches (5 in holding)

Q2 2026

$264.6MAssets
$148.8MLoans
$223.6MDeposits
$36.4MEquity
Loan mix
77%RE $101.0M23%C&I $29.7M1%Consumer $1.2MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $154.5M31%Noninterest $69.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.33%, down 99 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 1.00% of loans (+100 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.72%, down 16 bps from a year ago.
  • Funding: loans stand at 66.56% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.33%-99 bps YoY

Net Interest Margin (YTD, annualized)

4.38%-78 bps YoY

Efficiency Ratio (YTD, annualized)

78.18%+2,235 bps YoY

Tier 1 Leverage Ratio

11.72%-16 bps YoY

NIM

2.40%Q2 ’245.39%Q2 ’255.44%Q2 ’26+114%-15%

Non-interest income vs. expense

1.62%Q2 ’243.69%Q2 ’254.25%Q2 ’26+156%+24%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.98%1.59%1.32%1.26%1.01%0.30%0.33%-99 bps
Return on Equity6.11%7.03%10.61%8.96%8.39%6.72%2.15%2.36%-660 bps
Net Interest Margin3.39%3.70%5.17%5.17%4.40%4.16%4.35%4.38%-78 bps
Efficiency Ratio52.88%54.39%55.91%55.83%59.05%62.19%76.14%78.18%+2,235 bps
Non-Interest Burden1.63%1.90%2.76%2.74%2.54%2.52%3.24%3.41%+67 bps
Growth
Asset Growth (YoY)14.75%27.45%22.72%34.89%52.74%44.92%63.25%44.17%+928 bps
Loan Growth (YoY)18.75%72.11%84.57%193.29%138.16%112.55%129.06%70.49%-12,280 bps
Deposit Growth (YoY)5.24%19.36%14.59%37.67%53.86%43.55%66.85%45.85%+818 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.02%0.00%1.00%+100 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.02%0.01%0.00%0.00%0.00%-2 bps
Allowance / Loans1.24%1.24%1.22%1.21%1.21%1.21%1.32%1.31%+9 bps
Allowance Coverage of NPLsn/an/an/an/an/a56.5xn/a1.3xn/a
Capital
Tier 1 Leverage Ratio11.61%10.75%11.04%11.87%13.19%12.26%10.95%11.72%-16 bps
Total Risk-Based Capital11.61%10.75%11.04%11.87%13.19%12.26%10.95%11.72%-16 bps
Equity / Assets16.69%14.69%15.28%14.34%15.80%14.83%13.22%13.76%-58 bps
Liquidity & Funding
Loans / Deposits33.53%40.52%44.07%56.93%51.91%60.00%60.51%66.56%+962 bps
Liquid Assets / Assets17.64%24.05%28.88%16.71%18.65%18.55%21.77%18.81%+210 bps
CRE / Total Capitaln/an/an/an/a261%277%347%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

Texas Financial Bank

Eden, TX · Cert 26738 · Peer group: banks under $1B in assets in TX (n=208-211) · Patrons Holdings Inc.

State charter, non-member · FDIC · 1 affiliate bank · 4 branches (5 in holding)

Q2 2026

$264.6MAssets
$148.8MLoans
$223.6MDeposits
$36.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: return on equity trails 92% of banks under $1B in assets in TX (rank 195 of 211).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.31%

Rank 192 of 211

Net Interest Margin

4.38%

Rank 45 of 211

Efficiency Ratio

83.33%

Rank 185 of 211

Equity / Assets

13.76%

Rank 39 of 211

Non-interest income vs. expense

$2.2M$11.1MINCOMEEXPENSE
Unfavorable gap of $8.9M · efficiency ratio beats 13% of banks under $1B in assets in TX
Bank 83.33%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.31%0.87%1.20%1.65%Beats 9%192 / 211
Return on Equity2.29%7.52%11.67%14.58%Beats 8%195 / 211
Net Interest Margin4.38%3.28%3.82%4.31%Beats 79%45 / 211
Efficiency Ratio83.33%53.01%64.18%73.65%Beats 13%185 / 211
Asset Quality
Nonperforming Loans / Loans1.00%0.01%0.30%1.10%Beats 27%152 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio11.72%11.72%14.45%19.57%Beats 25%159 / 211
Total Risk-Based Capital Ratio11.72%11.94%14.78%20.30%Beats 24%160 / 211
Equity / Assets13.76%9.41%11.06%12.94%Beats 82%39 / 211
Liquidity & Funding
Loans / Deposits66.56%45.39%66.56%82.03%50th pctl104 / 208
Loans / Assets56.26%39.13%56.90%70.46%49th pctl108 / 211
Brokered Deposits / Depositsn/aNot reported for this institution