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Access 1st Capital Bank

Denton, TX · Cert 58562

FDIC · 5 branches

Q2 2022

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: Q2 2022, the quarter ended June 30, 2022, 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

Access 1st Capital Bank

Denton, TX · Cert 58562

FDIC · 5 branches

Q2 2022

$549.1MAssets
$393.6MLoans
$495.1MDeposits
$53.0MEquity
Loan mix
82%RE $258.4M16%C&I $50.5M2%Consumer $5.2MQ2 2021Q2 2022
Deposit mix
66%Interest-bearing $326.6M34%Noninterest $168.6MQ2 2021Q2 2022

NIM

4.19%Q2 ’203.84%Q2 ’213.56%Q2 ’22+3%-3%

Non-interest income vs. expense

2.93%Q2 ’202.53%Q2 ’213.69%Q2 ’22-10%+53%

Market Position · Dallas-Fort Worth-Arlington, TX · 2022 SOD (annual) · 0.1% share · #63 of 169 inst. · $0.5B of $861.9B

0.1% Denton
0.0% Dallas

Executive Summary

  • Earnings: ROA of -0.18%, down 86 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.11% of loans (-100 bps YoY), with net charge-offs at 0.60%.
  • Capital: tier 1 leverage ratio of 9.65%, up 27 bps from a year ago.
  • Funding: loans stand at 79.50% of deposits as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.18%-86 bps YoY

Net Interest Margin (YTD, annualized)

3.32%-12 bps YoY

Efficiency Ratio (YTD, annualized)

103.41%+3,562 bps YoY

Tier 1 Leverage Ratio

9.65%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.68%0.65%0.78%0.87%-0.18%-86 bps
Return on Equity7.05%6.74%8.07%9.11%-1.90%-895 bps
Net Interest Margin3.44%3.45%3.39%3.14%3.32%-12 bps
Efficiency Ratio67.79%68.07%67.21%66.88%103.41%+3,562 bps
Non-Interest Burden2.26%2.27%2.18%2.04%3.46%+120 bps
Growth
Asset Growth (YoY)11.96%7.91%12.89%7.62%-2.17%-1,413 bps
Loan Growth (YoY)4.40%1.39%2.16%-3.87%-5.82%-1,022 bps
Deposit Growth (YoY)12.54%8.21%13.50%7.66%-2.36%-1,490 bps
Asset Quality
Nonperforming Loans / Loans1.11%1.02%1.03%0.13%0.11%-100 bps
Net Charge-Offs / Loans0.27%0.32%0.24%1.18%0.60%+32 bps
Allowance / Loans1.46%1.51%1.50%1.25%1.27%-19 bps
Allowance Coverage of NPLs1.3x1.5x1.5x9.8x11.1x+9.8x
Capital
Tier 1 Leverage Ratio9.38%9.62%9.71%9.64%9.65%+27 bps
Total Risk-Based Capital13.28%13.79%13.66%13.83%13.62%+34 bps
Equity / Assets9.40%9.85%9.67%9.42%9.65%+25 bps
Liquidity & Funding
Loans / Deposits82.42%83.58%80.61%75.29%79.50%-292 bps
Liquid Assets / Assets8.75%9.02%8.65%10.06%10.80%+205 bps
CRE / Total Capitaln/an/an/an/an/an/an/a