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Nexbank

Dallas, TX · Cert 29209 · SLHC Trust the

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

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 over $10B in assets (n=142 to 144). 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

72

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

Nexbank

Dallas, TX · Cert 29209 · SLHC Trust the

State charter, non-member · FDIC · 2 branches

Q2 2026

$14.2BAssets
$9.3BLoans
$11.0BDeposits
$1.2BEquity
Loan mix
99%RE $7.4B1%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $8.3B25%Noninterest $2.8BQ2 2025Q2 2026

NIM

5.37%Q2 ’244.87%Q2 ’254.53%Q2 ’26+29%+1%

Non-interest income vs. expense

0.86%Q2 ’241.11%Q2 ’251.35%Q2 ’260%+88%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 1.5% share · #8 of 166 inst. · $11.0B of $732.8B

Executive Summary

  • Earnings: ROA of 1.05%, down 26 bps year over year; NIM at 2.13%.
  • Asset quality: problem loans at 1.47% of loans (-6 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.07%, down 75 bps from a year ago.
  • Funding: loans stand at 84.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%-26 bps YoY

Net Interest Margin (YTD, annualized)

2.13%+3 bps YoY

Efficiency Ratio (YTD, annualized)

50.84%+1,088 bps YoY

Tier 1 Leverage Ratio

9.07%-75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.33%1.17%1.27%1.05%-26 bps
Return on Equity13.95%14.54%12.89%14.63%12.13%-183 bps
Net Interest Margin2.11%2.17%2.16%2.13%2.13%+3 bps
Efficiency Ratio39.96%39.11%41.69%48.78%50.84%+1,088 bps
Non-Interest Burden0.44%0.38%0.51%0.67%0.83%+39 bps
Growth
Asset Growth (YoY)-7.04%4.59%-0.04%-3.35%-0.16%+688 bps
Loan Growth (YoY)-0.70%2.71%4.83%3.71%-2.17%-146 bps
Deposit Growth (YoY)-8.66%8.31%5.27%-2.67%3.31%+1,197 bps
Asset Quality
Nonperforming Loans / Loans1.53%1.30%1.22%1.23%1.47%-6 bps
Net Charge-Offs / Loans0.00%0.02%0.03%0.00%0.06%+5 bps
Allowance / Loans0.38%0.42%0.43%0.43%0.41%+3 bps
Allowance Coverage of NPLs0.3x0.3x0.4x0.4x0.3x0.0x
Capital
Tier 1 Leverage Ratio9.83%9.56%9.27%9.29%9.07%-75 bps
Total Risk-Based Capital15.70%15.88%15.10%15.67%15.39%-30 bps
Equity / Assets9.12%8.65%8.67%8.76%8.43%-69 bps
Liquidity & Funding
Loans / Deposits89.25%82.62%87.87%89.73%84.52%-473 bps
Liquid Assets / Assets5.04%10.04%6.74%3.18%8.63%+360 bps
CRE / Total Capitaln/a119.93%124.63%124.94%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

Nexbank

Dallas, TX · Cert 29209 · Peer group: banks over $10B in assets (n=142-144) · SLHC Trust the

State charter, non-member · FDIC · 2 branches

Q2 2026

$14.2BAssets
$9.3BLoans
$11.0BDeposits
$1.2BEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 84% of banks over $10B in assets (rank 24 of 142).
  • Widest gap: net interest margin trails 92% of banks over $10B in assets (rank 132 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.02%

Rank 101 of 144

Net Interest Margin

2.13%

Rank 132 of 144

Efficiency Ratio

50.84%

Rank 42 of 144

Equity / Assets

8.43%

Rank 124 of 144

Non-interest income vs. expense

$70.5M$183.6MINCOMEEXPENSE
Unfavorable gap of $113.0M · efficiency ratio beats 72% of banks over $10B in assets
Bank 50.84%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%1.00%1.26%1.54%Beats 30%101 / 144
Return on Equity12.12%8.98%11.34%14.40%Beats 57%62 / 144
Net Interest Margin2.13%2.82%3.31%3.68%Beats 8%132 / 144
Efficiency Ratio50.84%49.42%56.02%62.41%Beats 72%42 / 144
Asset Quality
Nonperforming Loans / Loans1.47%0.48%0.73%1.07%Beats 14%123 / 142
Net Charge-Offs / Loans0.03%0.05%0.11%0.22%Beats 84%24 / 142
Capital
Tier 1 Capital Ratio14.92%12.07%12.98%14.92%Beats 75%36 / 144
Total Risk-Based Capital Ratio15.39%13.39%14.14%16.25%Beats 67%47 / 144
Equity / Assets8.43%9.69%11.39%12.96%Beats 14%124 / 144
Liquidity & Funding
Loans / Deposits84.52%75.72%84.92%91.56%48th pctl75 / 143
Loans / Assets65.96%59.83%69.07%74.80%37th pctl91 / 144
Brokered Deposits / Depositsn/aNot reported for this institution