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Cendera Bank

Bells, TX · Cert 3098 · Cendera Financial Holdings Inc.

State charter, Fed member · FED · 3 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

8

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

Cendera Bank

Bells, TX · Cert 3098 · Cendera Financial Holdings Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$257.6MAssets
$201.2MLoans
$228.5MDeposits
$27.4MEquity
Loan mix
78%RE $141.9M22%C&I $39.7M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $208.3M9%Noninterest $20.2MQ2 2025Q2 2026

NIM

6.65%Q2 ’246.96%Q2 ’256.43%Q2 ’26+6%-1%

Non-interest income vs. expense

3.72%Q2 ’243.63%Q2 ’253.57%Q2 ’26-2%-2%

Market Position · Sherman-Denison, TX · 2026 SOD (annual) · 3.9% share · #6 of 17 inst. · $0.2B of $4.1B

3.9% Grayson
0.1% Tarrant
0.3% Smith

Executive Summary

  • Earnings: ROA of 0.37%, up 20 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.37% of loans (-35 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.25%, down 33 bps from a year ago.
  • Funding: loans stand at 88.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.92%-5 bps YoY

Efficiency Ratio (YTD, annualized)

87.70%-58 bps YoY

Tier 1 Leverage Ratio

11.25%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.27%0.29%0.24%0.37%+20 bps
Return on Equity1.51%2.40%2.55%2.00%3.28%+177 bps
Net Interest Margin3.97%3.87%3.76%3.96%3.92%-5 bps
Efficiency Ratio88.27%86.85%87.40%92.77%87.70%-58 bps
Non-Interest Burden3.48%3.34%3.27%3.66%3.42%-6 bps
Growth
Asset Growth (YoY)17.13%14.18%0.98%0.82%13.36%-377 bps
Loan Growth (YoY)17.32%16.01%3.41%-2.70%7.38%-994 bps
Deposit Growth (YoY)19.22%15.51%0.32%0.34%14.54%-469 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.22%0.40%0.27%0.37%-35 bps
Net Charge-Offs / Loans0.00%0.00%0.05%-0.01%-0.01%-1 bps
Allowance / Loans1.15%1.14%1.17%1.13%1.04%-11 bps
Allowance Coverage of NPLs1.6x5.1x2.9x4.1x2.8x+1.2x
Capital
Tier 1 Leverage Ratio11.58%11.25%11.09%11.79%11.25%-33 bps
Total Risk-Based Capital11.58%11.25%11.09%11.79%11.25%-33 bps
Equity / Assets11.59%10.85%11.83%11.81%10.62%-97 bps
Liquidity & Funding
Loans / Deposits93.89%88.41%88.59%90.70%88.03%-586 bps
Liquid Assets / Assets10.52%13.89%11.53%9.38%12.08%+155 bps
CRE / Total Capitaln/a339%302%310%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

Cendera Bank

Bells, TX · Cert 3098 · Peer group: banks under $1B in assets in TX (n=208-211) · Cendera Financial Holdings Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$257.6MAssets
$201.2MLoans
$228.5MDeposits
$27.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: efficiency ratio trails 91% of banks under $1B in assets in TX (rank 193 of 211).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.35%

Rank 190 of 211

Net Interest Margin

3.92%

Rank 101 of 211

Efficiency Ratio

87.70%

Rank 193 of 211

Equity / Assets

10.62%

Rank 119 of 211

Non-interest income vs. expense

$0.4M$8.7MINCOMEEXPENSE
Unfavorable gap of $8.3M · efficiency ratio beats 9% of banks under $1B in assets in TX
Bank 87.70%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.35%0.87%1.20%1.65%Beats 10%190 / 211
Return on Equity3.25%7.52%11.67%14.58%Beats 10%189 / 211
Net Interest Margin3.92%3.28%3.82%4.31%Beats 52%101 / 211
Efficiency Ratio87.70%53.01%64.18%73.65%Beats 9%193 / 211
Asset Quality
Nonperforming Loans / Loans0.37%0.01%0.30%1.10%Beats 46%113 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio11.25%11.72%14.45%19.57%Beats 21%167 / 211
Total Risk-Based Capital Ratio11.25%11.94%14.78%20.30%Beats 20%169 / 211
Equity / Assets10.62%9.41%11.06%12.94%Beats 44%119 / 211
Liquidity & Funding
Loans / Deposits88.03%45.39%66.56%82.03%87th pctl27 / 208
Loans / Assets78.09%39.13%56.90%70.46%90th pctl21 / 211
Brokered Deposits / Depositsn/aNot reported for this institution