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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