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T Bank, National Association

Dallas, TX · Cert 57703 · Tectonic Financial Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, 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 $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20). 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

40

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

T Bank, National Association

Dallas, TX · Cert 57703 · Tectonic Financial Inc.

National charter · OCC · 2 branches

Q2 2026

$1.1BAssets
$923.2MLoans
$955.6MDeposits
$131.6MEquity
Loan mix
61%RE $499.8M39%C&I $324.5M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $891.6M7%Noninterest $64.1MQ2 2025Q2 2026

NIM

7.65%Q2 ’247.63%Q2 ’257.34%Q2 ’26+4%+3%

Non-interest income vs. expense

4.98%Q2 ’244.73%Q2 ’254.88%Q2 ’26+10%+7%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #54 of 166 inst. · $0.8B of $732.8B

0.3% Dallas
0.0% Harris

Executive Summary

  • Earnings: ROA of 1.22%, down 9 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 2.89% of loans (-92 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 10.67%, up 27 bps from a year ago.
  • Funding: loans stand at 96.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.41%+12 bps YoY

Efficiency Ratio (YTD, annualized)

68.80%+103 bps YoY

Tier 1 Leverage Ratio

10.67%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.39%1.53%1.37%1.22%-9 bps
Return on Equity10.47%11.39%12.39%10.98%9.90%-56 bps
Net Interest Margin4.28%4.10%4.31%4.36%4.41%+12 bps
Efficiency Ratio67.77%65.35%65.39%67.82%68.80%+103 bps
Non-Interest Burden1.97%1.75%1.89%1.94%2.11%+14 bps
Growth
Asset Growth (YoY)28.49%25.46%14.88%16.19%11.63%-1,686 bps
Loan Growth (YoY)30.28%23.66%16.67%15.33%13.64%-1,664 bps
Deposit Growth (YoY)37.29%32.69%17.20%19.44%11.54%-2,575 bps
Asset Quality
Nonperforming Loans / Loans3.81%4.08%3.90%3.69%2.89%-92 bps
Net Charge-Offs / Loans0.34%0.25%0.23%0.50%0.32%-1 bps
Allowance / Loans1.32%1.53%1.46%1.43%1.54%+22 bps
Allowance Coverage of NPLs0.3x0.4x0.4x0.4x0.5x+0.2x
Capital
Tier 1 Leverage Ratio10.39%9.88%10.51%10.93%10.67%+27 bps
Total Risk-Based Capital16.95%17.51%18.16%17.84%17.54%+59 bps
Equity / Assets11.77%11.44%12.78%12.28%11.93%+16 bps
Liquidity & Funding
Loans / Deposits94.81%88.88%99.53%97.49%96.60%+179 bps
Liquid Assets / Assets11.89%16.96%9.03%10.04%10.45%-144 bps
CRE / Total Capitaln/a456%450%446%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

T Bank, National Association

Dallas, TX · Cert 57703 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Tectonic Financial Inc.

National charter · OCC · 2 branches

Q2 2026

$1.1BAssets
$923.2MLoans
$955.6MDeposits
$131.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 4 of 20).
  • Widest gap: nonperforming loans / loans trails 90% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 19 of 20).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.15%

Rank 10 of 20

Net Interest Margin

4.41%

Rank 4 of 20

Efficiency Ratio

68.80%

Rank 13 of 20

Equity / Assets

11.93%

Rank 8 of 20

Non-interest income vs. expense

$29.4M$51.8MINCOMEEXPENSE
Unfavorable gap of $22.4M · efficiency ratio beats 40% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 68.80%Peer median 65.5%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%0.68%1.15%1.86%Beats 50%10 / 20
Return on Equity9.67%7.45%10.95%14.25%Beats 35%13 / 20
Net Interest Margin4.41%2.87%3.58%4.28%Beats 80%4 / 20
Efficiency Ratio68.80%52.33%65.48%74.79%Beats 40%13 / 20
Asset Quality
Nonperforming Loans / Loans2.89%0.18%0.42%1.54%Beats 10%19 / 20
Net Charge-Offs / Loans0.19%0.00%0.02%0.14%Beats 20%17 / 20
Capital
Tier 1 Capital Ratio16.28%13.35%15.71%17.39%Beats 65%7 / 20
Total Risk-Based Capital Ratio17.54%14.55%16.02%18.64%Beats 70%6 / 20
Equity / Assets11.93%9.74%11.64%13.21%Beats 60%8 / 20
Liquidity & Funding
Loans / Deposits96.60%72.63%81.14%96.60%75th pctl5 / 20
Loans / Assets83.75%60.26%69.54%79.68%85th pctl3 / 20
Brokered Deposits / Depositsn/aNot reported for this institution