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Triumph Bank

Germantown, TN · Cert 58227

FDIC · 6 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Triumph Bank

Germantown, TN · Cert 58227

FDIC · 6 branches

Q3 2021

$855.3MAssets
$707.2MLoans
$726.8MDeposits
$90.2MEquity
Loan mix
73%RE $384.9M26%C&I $137.5M1%Consumer $3.6MQ3 2020Q3 2021
Deposit mix
83%Interest-bearing $599.8M17%Noninterest $127.0MQ3 2020Q3 2021

NIM

4.43%Q3 ’193.81%Q3 ’203.75%Q3 ’21-5%+14%

Non-interest income vs. expense

2.92%Q3 ’193.11%Q3 ’203.06%Q3 ’21-57%+170%

Market Position · Memphis, TN-MS-AR · 2021 SOD (annual) · 1.5% share · #13 of 51 inst. · $0.6B of $40.8B

1.8% Shelby
0.7% Williamson
0.1% Davidson

Executive Summary

  • Earnings: ROA of 0.67%, down 31 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 1.29% of loans (+25 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.93%, up 27 bps from a year ago.
  • Funding: loans stand at 97.31% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.67%-31 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+37 bps YoY

Efficiency Ratio (YTD, annualized)

74.41%+1,022 bps YoY

Tier 1 Leverage Ratio

9.93%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.98%0.88%0.94%0.70%0.67%-31 bps
Return on Equity10.55%9.36%9.53%7.01%6.69%-387 bps
Net Interest Margin2.58%2.63%2.99%2.91%2.95%+37 bps
Efficiency Ratio64.19%64.79%67.50%73.34%74.41%+1,022 bps
Non-Interest Burden0.70%0.85%1.43%1.76%1.89%+119 bps
Growth
Asset Growth (YoY)10.14%4.71%7.79%-0.17%-7.55%-1,770 bps
Loan Growth (YoY)11.76%9.58%10.18%3.40%-5.46%-1,722 bps
Deposit Growth (YoY)1.29%-3.50%4.57%-1.09%0.53%-76 bps
Asset Quality
Nonperforming Loans / Loans1.04%0.03%0.02%0.00%1.29%+25 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.00%0.00%0 bps
Allowance / Loans1.25%1.58%1.64%1.66%1.78%+53 bps
Allowance Coverage of NPLs1.2x54.4x76.4xn/a1.4x+0.2x
Capital
Tier 1 Leverage Ratio9.66%9.56%10.03%9.87%9.93%+27 bps
Total Risk-Based Capital12.22%12.54%12.95%12.82%13.72%+150 bps
Equity / Assets9.24%9.90%9.83%10.05%10.55%+131 bps
Liquidity & Funding
Loans / Deposits103.46%102.34%95.16%101.79%97.31%-616 bps
Liquid Assets / Assets1.61%0.47%2.91%0.64%0.18%-143 bps
CRE / Total Capitaln/an/an/an/an/an/an/a