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Bank, The

Whitney, TX · Cert 26967

FDIC · 3 branches

Q4 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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, The

Whitney, TX · Cert 26967

FDIC · 3 branches

Q4 2021

$759.5MAssets
$651.2MLoans
$668.2MDeposits
$79.2MEquity
Loan mix
99%RE $604.6M1%C&I $8.2M0%Consumer $0.4MQ4 2020Q4 2021
Deposit mix
85%Interest-bearing $565.6M15%Noninterest $102.6MQ4 2020Q4 2021

NIM

6.14%Q4 ’195.91%Q4 ’205.53%Q4 ’21+9%+4%

Non-interest income vs. expense

3.80%Q4 ’193.98%Q4 ’203.51%Q4 ’21-34%+31%

Market Position · Dallas-Fort Worth-Arlington, TX · 2021 SOD (annual) · 0.1% share · #57 of 169 inst. · $0.5B of $787.7B

12.8% Parker
0.0% Dallas
0.1% Tarrant

Executive Summary

  • Earnings: ROA of 3.26%, down 14 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 0.33% of loans (-50 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.41%, up 46 bps from a year ago.
  • Funding: loans stand at 97.45% of deposits as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

3.26%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.95%+20 bps YoY

Efficiency Ratio (YTD, annualized)

51.42%-174 bps YoY

Tier 1 Leverage Ratio

11.41%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets3.40%3.11%3.18%3.31%3.26%-14 bps
Return on Equity33.70%29.20%29.55%30.34%30.23%-347 bps
Net Interest Margin4.74%5.12%5.16%5.18%4.95%+20 bps
Efficiency Ratio53.16%52.85%52.29%51.35%51.42%-174 bps
Non-Interest Burden1.24%1.62%1.68%1.64%1.63%+39 bps
Growth
Asset Growth (YoY)25.46%31.81%22.95%29.67%37.04%+1,158 bps
Loan Growth (YoY)31.44%29.46%23.29%27.59%33.65%+221 bps
Deposit Growth (YoY)26.16%29.16%24.86%30.08%38.17%+1,201 bps
Asset Quality
Nonperforming Loans / Loans0.83%0.53%0.36%0.50%0.33%-50 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.22%1.33%1.38%1.36%1.28%+6 bps
Allowance Coverage of NPLs1.5x2.5x3.8x2.7x3.9x+2.4x
Capital
Tier 1 Leverage Ratio10.95%10.93%11.23%11.63%11.41%+46 bps
Total Risk-Based Capital17.47%16.88%19.77%18.97%17.74%+27 bps
Equity / Assets10.60%10.72%10.97%11.27%10.43%-18 bps
Liquidity & Funding
Loans / Deposits100.75%95.36%96.09%100.34%97.45%-330 bps
Liquid Assets / Assets9.08%14.25%11.75%8.60%10.47%+139 bps
CRE / Total Capitaln/an/an/an/an/an/an/a