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Pegasus Bank

Dallas, TX · Cert 58483 · Bancfirst Corp.

State charter, Fed member · FED · 2 affiliate banks · 3 branches (124 in holding)

Q2 2026

$1.5BAssets
$923.5MLoans
$1.3BDeposits
$165.1MEquity
Loan mix
63%RE $556.4M34%C&I $300.8M3%Consumer $28.0MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $881.3M31%Noninterest $390.1MQ2 2025Q2 2026

NIM

6.00%Q2 ’245.70%Q2 ’255.48%Q2 ’26+3%+0%

Non-interest income vs. expense

1.70%Q2 ’241.65%Q2 ’251.60%Q2 ’26-7%-1%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #40 of 166 inst. · $1.3B of $732.8B

Executive Summary

  • Earnings: ROA of 1.60%, down 5 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.41%, up 63 bps from a year ago.
  • Funding: loans stand at 72.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.60%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+1 bps YoY

Efficiency Ratio (YTD, annualized)

42.75%-97 bps YoY

Tier 1 Leverage Ratio

11.41%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.64%1.62%1.49%1.60%-5 bps
Return on Equity15.86%15.87%15.62%13.78%14.58%-128 bps
Net Interest Margin3.57%3.47%3.26%3.43%3.58%+1 bps
Efficiency Ratio43.73%42.98%43.35%45.31%42.75%-97 bps
Non-Interest Burden1.45%1.39%1.32%1.45%1.43%-2 bps
Growth
Asset Growth (YoY)9.76%6.99%14.23%3.14%2.80%-696 bps
Loan Growth (YoY)6.95%6.61%6.85%6.55%4.05%-289 bps
Deposit Growth (YoY)9.21%5.04%12.92%0.67%0.48%-872 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.12%1.12%1.15%1.17%1.22%+10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.78%10.68%10.23%11.27%11.41%+63 bps
Total Risk-Based Capital16.88%16.58%16.93%17.60%17.51%+64 bps
Equity / Assets10.48%10.09%10.50%11.20%11.32%+85 bps
Liquidity & Funding
Loans / Deposits70.14%68.17%69.74%72.54%72.63%+249 bps
Liquid Assets / Assets27.02%31.22%30.53%26.92%27.38%+36 bps
CRE / Total Capitaln/a261%258%247%n/an/a