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Colonial Savings, FA

Fort Worth, TX · Cert 31361 · Jed Trust the

SL · OCC · 7 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 the Dallas-Fort Worth-Arlington, TX area3

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 the Dallas-Fort Worth-Arlington, TX area (n=28). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

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

Colonial Savings, FA

Fort Worth, TX · Cert 31361 · Jed Trust the

SL · OCC · 7 branches

Q2 2026

$501.8MAssets
$114.4MLoans
$255.3MDeposits
$237.9MEquity
Loan mix
89%RE $96.7M10%C&I $10.4M2%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $222.9M13%Noninterest $32.4MQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #98 of 166 inst. · $0.3B of $732.8B

0.3% Tarrant
0.0% Denton

Executive Summary

  • Earnings: ROA of -2.41%, down 277 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.38% of loans (-467 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 46.07%, up 3,151 bps from a year ago.
  • Funding: loans stand at 44.80% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-2.41%-277 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+135 bps YoY

Efficiency Ratio (YTD, annualized)

192.24%+10,297 bps YoY

Tier 1 Leverage Ratio

46.07%+3,151 bps YoY

NIM

3.02%Q2 ’243.16%Q2 ’254.45%Q2 ’26+41%+66%

Non-interest income vs. expense

3.52%Q2 ’243.65%Q2 ’255.03%Q2 ’26+17%+321%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.18%0.30%0.37%1.11%0.25%-2.82%-2.41%-277 bps
Return on Equity0.58%0.79%1.27%1.54%4.53%0.96%-7.00%-5.67%-721 bps
Net Interest Margin1.65%1.81%1.81%2.05%1.96%2.64%3.28%3.40%+135 bps
Efficiency Ratio100.65%97.84%91.62%89.27%45.63%55.25%209%192.24%+10,297 bps
Non-Interest Burden1.47%1.50%1.27%1.38%-3.72%-1.73%6.12%5.82%+444 bps
Growth
Asset Growth (YoY)-4.77%-4.07%-8.17%-8.31%-11.09%-34.72%-47.54%-49.39%-4,108 bps
Loan Growth (YoY)-3.67%-6.28%-7.23%-7.62%-12.79%-87.70%-84.50%-83.35%-7,573 bps
Deposit Growth (YoY)7.20%-13.33%-11.38%-13.84%-8.93%-28.60%-54.35%-58.07%-4,424 bps
Asset Quality
Nonperforming Loans / Loans4.89%5.14%4.93%5.06%5.19%0.01%0.34%0.38%-467 bps
Net Charge-Offs / Loans0.00%0.00%0.05%0.02%8.68%47.09%0.00%0.00%-2 bps
Allowance / Loans1.14%1.14%1.14%1.17%0.21%1.63%1.33%1.50%+32 bps
Allowance Coverage of NPLs0.2x0.2x0.2x0.2x0.0x179.0x3.9x3.9x+3.7x
Capital
Tier 1 Leverage Ratio11.75%12.90%13.91%14.56%23.73%28.25%42.68%46.07%+3,151 bps
Total Risk-Based Capital21.13%22.17%23.74%25.40%62.63%190.37%175.40%175.73%+15,033 bps
Equity / Assets22.72%23.22%23.98%24.49%26.94%36.24%45.55%47.41%+2,292 bps
Liquidity & Funding
Loans / Deposits101.86%125.52%117.49%112.83%97.55%21.63%39.88%44.80%-6,803 bps
Liquid Assets / Assets6.88%6.33%6.20%7.03%25.06%79.80%73.09%72.06%+6,503 bps
CRE / Total Capitaln/an/an/an/a18.52%20.29%29.12%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

Colonial Savings, FA

Fort Worth, TX · Cert 31361 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Jed Trust the

SL · OCC · 7 branches

Q2 2026

$501.8MAssets
$114.4MLoans
$255.3MDeposits
$237.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 5 of 28).
  • Widest gap: return on assets trails 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 28 of 28).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-2.72%

Rank 28 of 28

Net Interest Margin

3.40%

Rank 25 of 28

Efficiency Ratio

192.24%

Rank 28 of 28

Equity / Assets

47.41%

Rank 1 of 28

Non-interest income vs. expense

-$4.1M$26.0MINCOMEEXPENSE
Unfavorable gap of $30.1M · efficiency ratio beats 4% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 192.24%Peer median 61.9%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-2.72%1.12%1.22%1.47%Beats 0%28 / 28
Return on Equity-5.75%8.64%12.47%13.41%Beats 4%27 / 28
Net Interest Margin3.40%3.77%4.06%4.51%Beats 11%25 / 28
Efficiency Ratio192.24%57.39%61.94%66.78%Beats 4%28 / 28
Asset Quality
Nonperforming Loans / Loans0.38%n/a0.28%1.06%Beats 43%17 / 28
Net Charge-Offs / Loans0.00%0.00%0.01%0.20%Beats 100%5 / 28
Capital
Tier 1 Capital Ratio174.54%12.55%13.77%17.51%Beats 96%1 / 28
Total Risk-Based Capital Ratio175.73%12.59%14.62%18.18%Beats 96%1 / 28
Equity / Assets47.41%9.58%11.17%13.58%Beats 96%1 / 28
Liquidity & Funding
Loans / Deposits44.80%66.90%84.79%89.14%7th pctl26 / 28
Loans / Assets22.79%57.58%73.59%77.32%0th pctl28 / 28
Brokered Deposits / Depositsn/aNot reported for this institution