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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 0.35%, down 75 bps year over year; NIM at 4.48%.
  • 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 (quarter, annualized)

0.35%-75 bps YoY

Net Interest Margin (quarter, annualized)

4.48%-92 bps YoY

Efficiency Ratio (quarter, annualized)

80.26%+2,450 bps YoY

Tier 1 Leverage Ratio

11.72%-16 bps YoY

NIM

-0.06%Q2 ’245.69%Q2 ’255.58%Q2 ’26+5431%-17%

Non-interest income vs. expense

0.79%Q2 ’243.85%Q2 ’254.32%Q2 ’26+411%+28%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.89%1.38%1.59%1.10%1.20%0.38%0.30%0.35%-75 bps
Return on Equity11.27%8.84%10.61%7.48%7.91%2.50%2.15%2.60%-488 bps
Net Interest Margin5.79%5.73%5.17%5.41%5.08%4.70%4.35%4.48%-92 bps
Efficiency Ratio51.38%56.84%55.91%55.76%64.53%69.79%76.14%80.26%+2,450 bps
Non-Interest Burden2.94%3.19%2.76%2.83%3.27%3.16%3.24%3.62%+79 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%0.01%0.01%0.03%0.00%-0.02%0.00%0.00%-3 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