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Letter portraitLegal landscapeQuarterYTD

Susser Bank

Dallas, TX · Cert 34885 · SBH Manager LLC

State charter, Fed member · FED · 11 branches

Q2 2026

$3.0BAssets
$2.2BLoans
$2.7BDeposits
$306.7MEquity
Loan mix
68%RE $1.3B32%C&I $0.6B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $2.2B18%Noninterest $0.5BQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #34 of 166 inst. · $1.6B of $732.8B

1.5% Tarrant
0.2% Harris
0.2% Dallas
0.6% Travis

Executive Summary

  • Earnings: ROA of 0.92%, up 17 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.42% of loans (-56 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.10%, up 31 bps from a year ago.
  • Funding: loans stand at 83.24% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+1 bps YoY

Efficiency Ratio (YTD, annualized)

61.62%+148 bps YoY

Tier 1 Leverage Ratio

10.10%+31 bps YoY

NIM

6.80%Q2 ’246.37%Q2 ’255.96%Q2 ’26-1%+0%

Non-interest income vs. expense

2.65%Q2 ’242.37%Q2 ’252.44%Q2 ’26-11%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.82%0.99%0.76%0.95%0.96%1.00%0.92%+17 bps
Return on Equity7.35%7.86%9.49%7.27%9.12%9.26%9.76%9.03%+176 bps
Net Interest Margin3.53%3.44%3.63%3.68%3.66%3.42%3.55%3.69%+1 bps
Efficiency Ratio65.32%64.56%61.05%60.14%60.54%61.80%62.19%61.62%+148 bps
Non-Interest Burden2.22%2.14%2.11%2.11%2.11%2.03%2.12%2.17%+6 bps
Growth
Asset Growth (YoY)14.95%9.49%19.15%13.40%11.94%14.78%13.19%13.91%+51 bps
Loan Growth (YoY)18.64%20.78%19.97%13.56%9.47%8.89%9.06%12.83%-73 bps
Deposit Growth (YoY)14.08%8.85%19.89%13.85%11.97%14.88%13.02%13.92%+8 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.67%1.16%0.97%0.81%0.92%0.58%0.42%-56 bps
Net Charge-Offs / Loans0.03%0.02%0.00%0.53%0.23%0.15%0.00%0.01%-53 bps
Allowance / Loans1.26%1.25%1.28%1.28%1.32%1.29%1.29%1.35%+6 bps
Allowance Coverage of NPLs1.9x1.9x1.1x1.3x1.6x1.4x2.2x3.2x+1.9x
Capital
Tier 1 Leverage Ratio9.85%9.73%9.77%9.79%9.86%9.38%9.72%10.10%+31 bps
Total Risk-Based Capital12.66%12.39%12.37%12.51%12.92%12.91%13.31%12.90%+39 bps
Equity / Assets10.48%10.37%10.45%10.41%10.39%10.13%10.33%10.26%-15 bps
Liquidity & Funding
Loans / Deposits83.64%84.89%85.33%84.05%81.77%80.46%82.34%83.24%-81 bps
Liquid Assets / Assets16.08%15.46%15.86%17.51%20.75%22.34%20.95%20.24%+273 bps
CRE / Total Capitaln/an/an/an/a344%351%339%n/an/a