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Trusttexas Bank, S.S.B.

Cuero, TX · Cert 28515 · Trusttexas Mutual Holding Co.

SI · FDIC · 6 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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

9

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

Trusttexas Bank, S.S.B.

Cuero, TX · Cert 28515 · Trusttexas Mutual Holding Co.

SI · FDIC · 6 branches

Q2 2026

$393.5MAssets
$213.2MLoans
$384.8MDeposits
$5.8MEquity
Loan mix
97%RE $186.6M2%C&I $4.1M1%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $327.6M15%Noninterest $57.3MQ2 2025Q2 2026

NIM

3.83%Q2 ’243.95%Q2 ’253.86%Q2 ’26+36%+5%

Non-interest income vs. expense

2.61%Q2 ’242.74%Q2 ’252.36%Q2 ’26+5%-14%

Market Position · Victoria, TX · 2026 SOD (annual) · 4.3% share · #5 of 12 inst. · $0.1B of $2.6B

15.0% De Witt
4.6% Victoria
0.7% Comal
0.5% Hays

Executive Summary

  • Earnings: ROA of 0.24%, up 482 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.67% of loans (+30 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.02%, down 40 bps from a year ago.
  • Funding: loans stand at 55.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.24%+482 bps YoY

Net Interest Margin (YTD, annualized)

2.35%+11 bps YoY

Efficiency Ratio (YTD, annualized)

88.45%-1,706 bps YoY

Tier 1 Leverage Ratio

8.02%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-4.58%-2.97%-2.21%0.22%0.24%+482 bps
Return on Equity4710%-4772%-878%24.44%21.97%-468,843 bps
Net Interest Margin2.24%2.28%2.29%2.36%2.35%+11 bps
Efficiency Ratio105.51%98.85%95.31%90.10%88.45%-1,706 bps
Non-Interest Burden2.38%2.25%2.16%2.09%2.04%-34 bps
Growth
Asset Growth (YoY)-9.23%-6.42%-3.10%8.45%10.77%+1,999 bps
Loan Growth (YoY)2.70%2.86%0.90%12.88%20.87%+1,817 bps
Deposit Growth (YoY)6.60%5.82%4.82%7.79%8.51%+191 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.33%0.80%0.66%0.67%+30 bps
Net Charge-Offs / Loans0.02%0.06%0.05%0.05%0.04%+2 bps
Allowance / Loans1.02%1.08%0.96%0.89%0.88%-14 bps
Allowance Coverage of NPLs2.7x3.2x1.2x1.3x1.3x-1.4x
Capital
Tier 1 Leverage Ratio8.42%8.34%8.28%8.24%8.02%-40 bps
Total Risk-Based Capital21.04%16.40%20.64%19.90%18.47%-257 bps
Equity / Assets-0.79%0.54%1.00%0.82%1.48%+227 bps
Liquidity & Funding
Loans / Deposits49.74%49.26%48.73%53.00%55.40%+567 bps
Liquid Assets / Assets21.46%23.00%24.24%20.74%18.89%-257 bps
CRE / Total Capitaln/a79.14%82.56%82.69%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

Trusttexas Bank, S.S.B.

Cuero, TX · Cert 28515 · Peer group: banks under $1B in assets in TX (n=208-211) · Trusttexas Mutual Holding Co.

SI · FDIC · 6 branches

Q2 2026

$393.5MAssets
$213.2MLoans
$384.8MDeposits
$5.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 84% of banks under $1B in assets in TX (rank 34 of 211).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in TX (rank 211 of 211).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.24%

Rank 196 of 211

Net Interest Margin

2.35%

Rank 204 of 211

Efficiency Ratio

88.45%

Rank 194 of 211

Equity / Assets

1.48%

Rank 211 of 211

Non-interest income vs. expense

$1.4M$9.9MINCOMEEXPENSE
Unfavorable gap of $8.5M · efficiency ratio beats 9% of banks under $1B in assets in TX
Bank 88.45%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.24%0.87%1.20%1.65%Beats 7%196 / 211
Return on Equity15.87%7.52%11.67%14.58%Beats 84%34 / 211
Net Interest Margin2.35%3.28%3.82%4.31%Beats 3%204 / 211
Efficiency Ratio88.45%53.01%64.18%73.65%Beats 9%194 / 211
Asset Quality
Nonperforming Loans / Loans0.67%0.01%0.30%1.10%Beats 35%137 / 208
Net Charge-Offs / Loans0.04%0.00%0.01%0.06%Beats 30%147 / 208
Capital
Tier 1 Capital Ratio17.45%11.72%14.45%19.57%Beats 69%66 / 211
Total Risk-Based Capital Ratio18.47%11.94%14.78%20.30%Beats 70%63 / 211
Equity / Assets1.48%9.41%11.06%12.94%Beats 0%211 / 211
Liquidity & Funding
Loans / Deposits55.40%45.39%66.56%82.03%32nd pctl141 / 208
Loans / Assets54.19%39.13%56.90%70.46%40th pctl126 / 211
Brokered Deposits / Depositsn/aNot reported for this institution