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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 $1.7MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $222.9M13%Noninterest $32.4MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%1.11%0.25%-2.82%-2.41%-277 bps
Return on Equity1.54%4.53%0.96%-7.00%-5.67%-721 bps
Net Interest Margin2.05%1.96%2.64%3.28%3.40%+135 bps
Efficiency Ratio89.27%45.63%55.25%209%192.24%+10,297 bps
Non-Interest Burden1.38%-3.72%-1.73%6.12%5.82%+444 bps
Growth
Asset Growth (YoY)-8.31%-11.09%-34.72%-47.54%-49.39%-4,108 bps
Loan Growth (YoY)-7.62%-12.79%-87.70%-84.50%-83.35%-7,573 bps
Deposit Growth (YoY)-13.84%-8.93%-28.60%-54.35%-58.07%-4,424 bps
Asset Quality
Nonperforming Loans / Loans5.06%5.19%0.01%0.34%0.38%-467 bps
Net Charge-Offs / Loans0.02%8.68%47.09%0.00%0.00%-2 bps
Allowance / Loans1.17%0.21%1.63%1.33%1.50%+32 bps
Allowance Coverage of NPLs0.2x0.0x179.0x3.9x3.9x+3.7x
Capital
Tier 1 Leverage Ratio14.56%23.73%28.25%42.68%46.07%+3,151 bps
Total Risk-Based Capital25.40%62.63%190.37%175.40%175.73%+15,033 bps
Equity / Assets24.49%26.94%36.24%45.55%47.41%+2,292 bps
Liquidity & Funding
Loans / Deposits112.83%97.55%21.63%39.88%44.80%-6,803 bps
Liquid Assets / Assets7.03%25.06%79.80%73.09%72.06%+6,503 bps
CRE / Total Capitaln/a18.52%20.29%29.12%n/an/a