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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