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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 $4.7MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $475.3M33%Noninterest $232.3MQ2 2025Q2 2026

NIM

5.94%Q2 ’246.21%Q2 ’255.87%Q2 ’26+21%+0%

Non-interest income vs. expense

2.70%Q2 ’242.95%Q2 ’252.93%Q2 ’26+12%-1%

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 1.08%, down 5 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.02% of loans (-49 bps YoY), with net charge-offs at 0.96%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.08%-5 bps YoY

Net Interest Margin (quarter, annualized)

4.60%+1 bps YoY

Efficiency Ratio (quarter, annualized)

60.08%-64 bps YoY

Tier 1 Leverage Ratio

11.90%+184 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.05%1.22%1.25%1.08%-5 bps
Return on Equity7.73%7.07%7.78%7.56%6.51%-122 bps
Net Interest Margin4.59%4.63%4.77%4.83%4.60%+1 bps
Efficiency Ratio60.72%63.11%59.05%59.52%60.08%-64 bps
Non-Interest Burden2.74%2.87%2.76%2.82%2.72%-2 bps
Growth
Asset Growth (YoY)0.25%-0.21%6.80%-0.75%3.70%+345 bps
Loan Growth (YoY)10.18%7.39%1.78%-1.28%5.66%-452 bps
Deposit Growth (YoY)2.17%1.58%5.11%0.06%6.28%+410 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.08%0.11%0.01%0.02%-49 bps
Net Charge-Offs / Loans0.38%0.21%0.16%0.05%0.96%+58 bps
Allowance / Loans1.22%1.24%1.22%1.24%1.08%-14 bps
Allowance Coverage of NPLs2.4x15.7x10.7x114.0x69.3x+66.9x
Capital
Tier 1 Leverage Ratio10.06%10.39%12.06%12.42%11.90%+184 bps
Total Risk-Based Capital13.56%13.86%16.22%16.38%15.98%+242 bps
Equity / Assets14.63%15.10%16.18%16.83%16.27%+164 bps
Liquidity & Funding
Loans / Deposits89.46%87.20%85.70%90.52%88.94%-52 bps
Liquid Assets / Assets8.20%7.71%9.56%6.27%5.31%-289 bps
CRE / Total Capitaln/a536%445%451%n/an/a