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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