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Transportation Alliance Bank, Inc. Dba Tab Bank

Ogden, UT · Cert 34781 · Tab Bank Holdings Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$1.6BAssets
$1.3BLoans
$1.4BDeposits
$180.1MEquity
Loan mix
29%RE $320.3M64%C&I $703.5M7%Consumer $82.7MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $1.4B0%Noninterest $0.0BQ2 2025Q2 2026

NIM

10.59%Q2 ’249.88%Q2 ’259.24%Q2 ’26-8%-3%

Non-interest income vs. expense

5.08%Q2 ’244.45%Q2 ’254.45%Q2 ’26-28%+11%

Market Position · Ogden, UT · 2026 SOD (annual) · 14.5% share · #3 of 14 inst. · $1.4B of $9.5B

Executive Summary

  • Earnings: ROA of 1.05%, up 23 bps year over year; NIM at 6.25%.
  • Asset quality: problem loans at 1.79% of loans (-94 bps YoY), with net charge-offs at 2.23%.
  • Capital: tier 1 leverage ratio of 11.74%, up 151 bps from a year ago.
  • Funding: loans stand at 90.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+23 bps YoY

Net Interest Margin (YTD, annualized)

6.25%-18 bps YoY

Efficiency Ratio (YTD, annualized)

61.08%+412 bps YoY

Tier 1 Leverage Ratio

11.74%+151 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.88%0.94%0.59%1.05%+23 bps
Return on Equity8.33%8.83%9.27%5.43%9.46%+113 bps
Net Interest Margin6.43%6.48%6.41%6.11%6.25%-18 bps
Efficiency Ratio56.96%56.64%56.99%62.81%61.08%+412 bps
Non-Interest Burden3.07%3.08%3.11%3.46%3.41%+34 bps
Growth
Asset Growth (YoY)4.56%1.35%0.33%-3.14%-3.22%-778 bps
Loan Growth (YoY)5.52%1.71%-1.59%-6.95%-4.44%-996 bps
Deposit Growth (YoY)3.63%4.94%1.90%0.77%0.38%-326 bps
Asset Quality
Nonperforming Loans / Loans2.73%3.10%2.52%2.03%1.79%-94 bps
Net Charge-Offs / Loans3.24%3.02%3.34%2.93%2.23%-101 bps
Allowance / Loans1.97%2.05%1.73%1.61%1.49%-48 bps
Allowance Coverage of NPLs0.7x0.7x0.7x0.8x0.8x+0.1x
Capital
Tier 1 Leverage Ratio10.23%10.54%10.79%11.27%11.74%+151 bps
Total Risk-Based Capital10.23%10.54%10.79%11.27%11.74%+151 bps
Equity / Assets9.94%10.37%10.84%10.99%11.31%+138 bps
Liquidity & Funding
Loans / Deposits95.48%90.58%88.15%88.45%90.89%-458 bps
Liquid Assets / Assets7.45%7.56%9.55%8.93%7.20%-25 bps
CRE / Total Capitaln/a198.26%180.96%177.24%n/an/a