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Texas Advantage Community Bank, National Association

Alvin, TX · Cert 58450

National charter · OCC · 2 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 Houston-Pasadena-The Woodlands, 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 Houston-Pasadena-The Woodlands, TX area (n=21). 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

19

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

Texas Advantage Community Bank, National Association

Alvin, TX · Cert 58450

National charter · OCC · 2 branches

Q2 2026

$192.1MAssets
$80.3MLoans
$169.7MDeposits
$21.7MEquity
Loan mix
73%RE $57.0M26%C&I $20.1M2%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $130.4M23%Noninterest $39.3MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.07%Q2 ’254.57%Q2 ’26+0%-10%

Non-interest income vs. expense

2.57%Q2 ’242.61%Q2 ’252.63%Q2 ’26+4%+3%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #70 of 107 inst. · $0.2B of $360.4B

Executive Summary

  • Earnings: ROA of 0.36%, down 31 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 7.09% of loans (+546 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.33%, up 6 bps from a year ago.
  • Funding: loans stand at 47.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%-31 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-30 bps YoY

Efficiency Ratio (YTD, annualized)

88.24%+1,008 bps YoY

Tier 1 Leverage Ratio

11.33%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.61%0.54%0.25%0.36%-31 bps
Return on Equity6.18%5.55%4.88%2.19%3.14%-303 bps
Net Interest Margin3.10%3.17%3.21%2.90%2.79%-30 bps
Efficiency Ratio78.16%82.00%82.62%91.62%88.24%+1,008 bps
Non-Interest Burden2.37%2.56%2.61%2.64%2.44%+8 bps
Growth
Asset Growth (YoY)-8.57%-3.10%-6.40%0.05%7.21%+1,578 bps
Loan Growth (YoY)-11.07%-11.28%-10.69%-3.70%-9.02%+204 bps
Deposit Growth (YoY)-10.25%-4.00%-8.09%-0.47%7.73%+1,799 bps
Asset Quality
Nonperforming Loans / Loans1.64%1.53%1.06%2.49%7.09%+546 bps
Net Charge-Offs / Loans0.01%0.29%0.25%0.00%0.00%-1 bps
Allowance / Loans1.28%1.09%1.11%1.09%1.16%-12 bps
Allowance Coverage of NPLs0.8x0.7x1.0x0.4x0.2x-0.6x
Capital
Tier 1 Leverage Ratio11.26%11.60%11.96%11.93%11.33%+6 bps
Total Risk-Based Capital24.27%25.66%21.82%23.99%25.94%+168 bps
Equity / Assets11.59%11.58%11.80%11.39%11.30%-29 bps
Liquidity & Funding
Loans / Deposits56.08%52.93%52.23%50.77%47.35%-872 bps
Liquid Assets / Assets16.84%15.86%15.45%15.28%14.04%-280 bps
CRE / Total Capitaln/a229%222%221%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

Texas Advantage Community Bank, National Association

Alvin, TX · Cert 58450 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)

National charter · OCC · 2 branches

Q2 2026

$192.1MAssets
$80.3MLoans
$169.7MDeposits
$21.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 21).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 21 of 21).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.36%

Rank 19 of 21

Net Interest Margin

2.79%

Rank 19 of 21

Efficiency Ratio

88.24%

Rank 18 of 21

Equity / Assets

11.30%

Rank 11 of 21

Non-interest income vs. expense

$0.4M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 19% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 88.24%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.36%0.77%1.16%1.46%Beats 10%19 / 21
Return on Equity3.14%6.66%8.42%15.66%Beats 10%19 / 21
Net Interest Margin2.79%3.50%3.97%4.41%Beats 10%19 / 21
Efficiency Ratio88.24%59.33%68.18%79.00%Beats 19%18 / 21
Asset Quality
Nonperforming Loans / Loans7.09%0.01%0.37%1.25%Beats 5%21 / 21
Net Charge-Offs / Loans0.00%n/a0.01%0.05%Beats 100%9 / 21
Capital
Tier 1 Capital Ratio24.87%12.65%15.76%18.38%Beats 86%3 / 21
Total Risk-Based Capital Ratio25.94%12.65%16.68%19.63%Beats 86%3 / 21
Equity / Assets11.30%9.08%11.30%15.80%Beats 48%11 / 21
Liquidity & Funding
Loans / Deposits47.35%64.96%78.30%90.30%14th pctl18 / 21
Loans / Assets41.83%55.83%65.86%74.20%14th pctl18 / 21
Brokered Deposits / Depositsn/aNot reported for this institution