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Professional Bank, National Association

Dallas, TX · Cert 57665

FDIC · 34 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=139). 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

37

Q2 2024Q3 2025peer median (50)

Asset Quality

40

Q2 2024Q3 2025peer median (50)

Profitability

39

Q2 2024Q3 2025peer median (50)

Liquidity

52

Q2 2024Q3 2025peer median

Efficiency

35

Q2 2024Q3 2025peer 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

Professional Bank, National Association

Dallas, TX · Cert 57665

FDIC · 34 branches

Q3 2025

$12.7BAssets
$9.7BLoans
$10.8BDeposits
$1.8BEquity
Loan mix
83%RE $6.2B16%C&I $1.2B0%Consumer $0.0BQ4 2023Q3 2025
Deposit mix
79%Interest-bearing $8.6B21%Noninterest $2.2BQ4 2023Q3 2025

Market Position · Dallas-Fort Worth-Arlington, TX · 2025 SOD (annual) · 1.3% share · #10 of 169 inst. · $8.6B of $665.0B

2.5% Dallas
0.5% Harris
1.2% Tarrant
1.7% Collin

Executive Summary

  • Earnings: ROA of 0.89%, down 7 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 1.17% of loans (+57 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 11.22%, up 9 bps from a year ago.
  • Funding: loans stand at 89.32% of deposits as of Q3 2025.

Return on Assets (YTD, annualized)

0.89%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+6 bps YoY

Efficiency Ratio (YTD, annualized)

58.98%+348 bps YoY

Tier 1 Leverage Ratio

11.22%+9 bps YoY

NIM

5.83%Q3 ’235.93%Q3 ’245.59%Q3 ’25-9%+2%

Non-interest income vs. expense

1.84%Q3 ’231.99%Q3 ’242.18%Q3 ’25+17%+8%

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.97%0.86%0.91%0.96%0.93%0.99%1.02%0.89%-7 bps
Return on Equity7.06%6.23%6.64%7.00%6.83%7.22%7.41%6.45%-55 bps
Net Interest Margin3.44%3.21%3.20%3.20%3.23%3.25%3.27%3.26%+6 bps
Efficiency Ratio50.57%54.17%54.33%55.50%56.58%56.79%56.97%58.98%+348 bps
Non-Interest Burden1.67%1.57%1.60%1.63%1.68%1.68%1.70%1.76%+13 bps
Growth
Asset Growth (YoY)1.94%0.49%1.47%5.32%2.69%-0.80%-1.29%-2.14%-746 bps
Loan Growth (YoY)1.68%0.48%1.14%0.39%-0.72%-3.01%-3.17%-0.49%-89 bps
Deposit Growth (YoY)13.37%17.83%16.41%8.24%4.02%0.35%-2.94%-2.24%-1,048 bps
Asset Quality
Nonperforming Loans / Loans1.00%0.87%0.60%0.60%0.57%0.77%0.70%1.17%+57 bps
Net Charge-Offs / Loans0.25%0.22%0.25%0.17%0.21%0.17%0.11%0.21%+3 bps
Allowance / Loans1.14%1.15%1.15%1.21%1.16%1.18%1.18%1.19%-1 bps
Allowance Coverage of NPLs1.1x1.3x1.9x2.0x2.1x1.5x1.7x1.0x-1.0x
Capital
Tier 1 Leverage Ratio11.43%11.41%11.09%11.13%11.37%11.02%11.17%11.22%+9 bps
Total Risk-Based Capital12.90%12.98%12.81%13.34%13.49%12.87%12.84%12.86%-48 bps
Equity / Assets13.95%13.60%13.44%13.60%13.81%13.66%13.84%13.86%+26 bps
Liquidity & Funding
Loans / Deposits93.24%91.60%91.33%87.75%88.99%88.53%91.12%89.32%+156 bps
Liquid Assets / Assets6.06%6.93%6.13%9.44%7.76%7.54%7.05%8.70%-75 bps
CRE / Total Capitaln/an/an/an/an/an/an/a374%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

Professional Bank, National Association

Dallas, TX · Cert 57665 · Peer group: banks over $10B in assets (n=139)

FDIC · 34 branches

Q3 2025

$12.7BAssets
$9.7BLoans
$10.8BDeposits
$1.8BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 83% of banks over $10B in assets (rank 24 of 139).
  • Widest gap: total risk-based capital ratio trails 89% of banks over $10B in assets (rank 124 of 139).
  • Overall: at or above the peer median on 3 of 10 directional measures.

Return on Assets

0.88%

Rank 95 of 139

Net Interest Margin

3.26%

Rank 46 of 139

Efficiency Ratio

61.12%

Rank 92 of 139

Equity / Assets

13.86%

Rank 24 of 139

Non-interest income vs. expense

$52.8M$275.1MINCOMEEXPENSE
Unfavorable gap of $222.3M · efficiency ratio beats 35% of banks over $10B in assets
Bank 61.12%Peer median 57.0%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.88%0.83%1.07%1.38%Beats 32%95 / 139
Return on Equity6.37%7.14%9.86%12.22%Beats 19%113 / 139
Net Interest Margin3.26%2.66%3.07%3.44%Beats 67%46 / 139
Efficiency Ratio61.12%50.54%57.02%62.91%Beats 35%92 / 139
Asset Quality
Nonperforming Loans / Loans1.17%0.45%0.73%1.10%Beats 22%109 / 139
Net Charge-Offs / Loans0.18%0.10%0.20%0.38%Beats 57%61 / 139
Capital
Tier 1 Capital Ratio11.78%12.15%13.22%15.44%Beats 17%116 / 139
Total Risk-Based Capital Ratio12.86%13.49%14.61%16.34%Beats 11%124 / 139
Equity / Assets13.86%9.47%11.24%12.80%Beats 83%24 / 139
Liquidity & Funding
Loans / Deposits89.32%73.53%82.87%90.09%73rd pctl37 / 139
Loans / Assets75.97%58.63%68.21%74.46%81st pctl26 / 139
Brokered Deposits / Deposits15.97%0.83%4.15%8.51%Beats 13%122 / 139n/a