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Texas Gulf Bank, National Association

Houston, TX · Cert 3206 · Texas Gulf Bancshares Inc.

National charter · OCC · 9 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 Houston-Pasadena-The Woodlands, 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 Houston-Pasadena-The Woodlands, TX area (n=21). 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

27

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

33

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

Texas Gulf Bank, National Association

Houston, TX · Cert 3206 · Texas Gulf Bancshares Inc.

National charter · OCC · 9 branches

Q2 2026

$726.9MAssets
$507.6MLoans
$638.6MDeposits
$81.9MEquity
Loan mix
90%RE $424.7M9%C&I $43.6M1%Consumer $4.7MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $470.8M26%Noninterest $167.8MQ2 2025Q2 2026

NIM

4.78%Q2 ’245.09%Q2 ’255.34%Q2 ’26+18%+14%

Non-interest income vs. expense

2.86%Q2 ’243.44%Q2 ’253.55%Q2 ’26+24%0%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.2% share · #40 of 107 inst. · $0.6B of $360.4B

5.2% Brazoria
0.1% Harris
0.8% Galveston

Executive Summary

  • Earnings: ROA of 0.81%, up 47 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 11.98%, down 30 bps from a year ago.
  • Funding: loans stand at 79.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+47 bps YoY

Efficiency Ratio (YTD, annualized)

77.33%-870 bps YoY

Tier 1 Leverage Ratio

11.98%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.45%0.53%0.74%0.81%+47 bps
Return on Equity3.00%3.93%4.68%6.55%7.18%+418 bps
Net Interest Margin3.44%3.48%3.53%3.77%3.91%+47 bps
Efficiency Ratio86.03%83.15%81.52%78.15%77.33%-870 bps
Non-Interest Burden2.87%2.79%2.76%2.80%2.86%-1 bps
Growth
Asset Growth (YoY)-2.22%-3.67%3.22%5.47%5.29%+751 bps
Loan Growth (YoY)-1.34%2.66%5.95%0.43%5.71%+705 bps
Deposit Growth (YoY)-1.77%-2.72%2.55%5.25%5.07%+684 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.11%0.11%0.11%0.00%-1 bps
Net Charge-Offs / Loans0.04%0.02%0.01%0.00%0.09%+4 bps
Allowance / Loans1.13%1.14%1.15%1.19%1.09%-5 bps
Allowance Coverage of NPLs99.1x10.7x10.9x10.9xn/an/a
Capital
Tier 1 Leverage Ratio12.28%11.64%11.70%11.77%11.98%-30 bps
Total Risk-Based Capital12.28%11.64%11.70%11.77%11.98%-30 bps
Equity / Assets11.50%11.36%11.18%11.27%11.27%-24 bps
Liquidity & Funding
Loans / Deposits79.01%80.65%79.12%75.91%79.49%+48 bps
Liquid Assets / Assets1.88%0.10%2.21%5.63%2.89%+101 bps
CRE / Total Capitaln/a360%355%328%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

Texas Gulf Bank, National Association

Houston, TX · Cert 3206 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Texas Gulf Bancshares Inc.

National charter · OCC · 9 branches

Q2 2026

$726.9MAssets
$507.6MLoans
$638.6MDeposits
$81.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 5 of 21).
  • Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 17 of 21).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.80%

Rank 14 of 21

Net Interest Margin

3.91%

Rank 13 of 21

Efficiency Ratio

77.33%

Rank 15 of 21

Equity / Assets

11.27%

Rank 12 of 21

Non-interest income vs. expense

$5.0M$25.7MINCOMEEXPENSE
Unfavorable gap of $20.7M · efficiency ratio beats 33% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 77.33%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.77%1.16%1.46%Beats 33%14 / 21
Return on Equity7.11%6.66%8.42%15.66%Beats 29%15 / 21
Net Interest Margin3.91%3.50%3.97%4.41%Beats 38%13 / 21
Efficiency Ratio77.33%59.33%68.18%79.00%Beats 33%15 / 21
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.37%1.25%Beats 100%5 / 21
Net Charge-Offs / Loans0.05%n/a0.01%0.05%Beats 29%16 / 21
Capital
Tier 1 Capital Ratio11.98%12.65%15.76%18.38%Beats 19%17 / 21
Total Risk-Based Capital Ratio11.98%12.65%16.68%19.63%Beats 19%17 / 21
Equity / Assets11.27%9.08%11.30%15.80%Beats 43%12 / 21
Liquidity & Funding
Loans / Deposits79.49%64.96%78.30%90.30%52nd pctl10 / 21
Loans / Assets69.83%55.83%65.86%74.20%57th pctl9 / 21
Brokered Deposits / Depositsn/aNot reported for this institution