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Harmony Bank

Dallas, TX · Cert 57922 · Harmony Bancshares Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). 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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

39

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

Harmony Bank

Dallas, TX · Cert 57922 · Harmony Bancshares Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$855.3MAssets
$629.4MLoans
$707.7MDeposits
$139.2MEquity
Loan mix
86%RE $515.4M13%C&I $79.5M1%Consumer $4.7MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $475.3M33%Noninterest $232.3MQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #65 of 166 inst. · $0.6B of $732.8B

0.1% Dallas
7.6% Kaufman
3.6% Ellis
3.5% Navarro

Executive Summary

  • Earnings: ROA of 1.16%, up 29 bps year over year; NIM at 4.56%.
  • Asset quality: problem loans at 0.02% of loans (-49 bps YoY), with net charge-offs at 0.50%.
  • Capital: tier 1 leverage ratio of 11.90%, up 184 bps from a year ago.
  • Funding: loans stand at 88.94% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.16%+29 bps YoY

Net Interest Margin (YTD, annualized)

4.56%+10 bps YoY

Efficiency Ratio (YTD, annualized)

59.80%-113 bps YoY

Tier 1 Leverage Ratio

11.90%+184 bps YoY

NIM

5.60%Q2 ’246.02%Q2 ’255.73%Q2 ’26+19%+2%

Non-interest income vs. expense

2.76%Q2 ’242.88%Q2 ’252.89%Q2 ’26+6%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.76%0.59%0.86%0.93%1.00%1.25%1.16%+29 bps
Return on Equity5.20%5.08%3.98%5.86%6.27%6.62%7.56%7.04%+117 bps
Net Interest Margin3.59%3.76%4.47%4.46%4.54%4.61%4.83%4.56%+10 bps
Efficiency Ratio66.30%66.18%61.16%60.93%61.67%61.00%59.52%59.80%-113 bps
Non-Interest Burden2.37%2.47%2.69%2.67%2.76%2.76%2.82%2.68%+1 bps
Growth
Asset Growth (YoY)9.13%9.40%10.58%0.25%-0.21%6.80%-0.75%3.70%+345 bps
Loan Growth (YoY)17.09%19.91%21.81%10.18%7.39%1.78%-1.28%5.66%-452 bps
Deposit Growth (YoY)5.92%9.84%16.32%2.17%1.58%5.11%0.06%6.28%+410 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.49%0.48%0.50%0.08%0.11%0.01%0.02%-49 bps
Net Charge-Offs / Loans0.08%0.15%0.31%0.35%0.30%0.27%0.05%0.50%+15 bps
Allowance / Loans1.13%1.08%1.21%1.22%1.24%1.22%1.24%1.08%-14 bps
Allowance Coverage of NPLs6.2x2.2x2.5x2.4x15.7x10.7x114.0x69.3x+66.9x
Capital
Tier 1 Leverage Ratio9.86%10.29%10.18%10.06%10.39%12.06%12.42%11.90%+184 bps
Total Risk-Based Capital14.03%13.65%13.69%13.56%13.86%16.22%16.38%15.98%+242 bps
Equity / Assets14.51%15.06%14.50%14.63%15.10%16.18%16.83%16.27%+164 bps
Liquidity & Funding
Loans / Deposits82.47%88.50%91.75%89.46%87.20%85.70%90.52%88.94%-52 bps
Liquid Assets / Assets11.26%5.02%6.20%8.20%7.71%9.56%6.27%5.31%-289 bps
CRE / Total Capitaln/an/an/an/a536%445%451%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

Harmony Bank

Dallas, TX · Cert 57922 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Harmony Bancshares Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$855.3MAssets
$629.4MLoans
$707.7MDeposits
$139.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 89% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 3 of 28).
  • Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 25 of 28).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.13%

Rank 20 of 28

Net Interest Margin

4.56%

Rank 6 of 28

Efficiency Ratio

63.82%

Rank 18 of 28

Equity / Assets

16.27%

Rank 3 of 28

Non-interest income vs. expense

$1.8M$25.1MINCOMEEXPENSE
Unfavorable gap of $23.3M · efficiency ratio beats 39% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 63.82%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.13%1.12%1.22%1.47%Beats 29%20 / 28
Return on Equity6.95%8.64%12.47%13.41%Beats 18%23 / 28
Net Interest Margin4.56%3.77%4.06%4.51%Beats 79%6 / 28
Efficiency Ratio63.82%57.39%61.94%66.78%Beats 39%18 / 28
Asset Quality
Nonperforming Loans / Loans0.02%n/a0.28%1.06%Beats 68%10 / 28
Net Charge-Offs / Loans0.25%0.00%0.01%0.20%Beats 14%25 / 28
Capital
Tier 1 Capital Ratio14.88%12.55%13.77%17.51%Beats 61%11 / 28
Total Risk-Based Capital Ratio15.98%12.59%14.62%18.18%Beats 61%11 / 28
Equity / Assets16.27%9.58%11.17%13.58%Beats 89%3 / 28
Liquidity & Funding
Loans / Deposits88.94%66.90%84.79%89.14%71st pctl8 / 28
Loans / Assets73.59%57.58%73.59%77.32%50th pctl14 / 28
Brokered Deposits / Depositsn/aNot reported for this institution