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Texas Partners Bank

San Antonio, TX · Cert 58581

FDIC · 11 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=284 to 290). 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

25

Q2 2024Q4 2025peer median (50)

Asset Quality

92

Q2 2024Q4 2025peer median (50)

Profitability

51

Q2 2024Q4 2025peer median (50)

Liquidity

93

Q2 2024Q4 2025peer median

Efficiency

48

Q2 2024Q4 2025peer 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 Partners Bank

San Antonio, TX · Cert 58581

FDIC · 11 branches

Q4 2025

$2.4BAssets
$1.9BLoans
$2.2BDeposits
$221.6MEquity
Loan mix
72%RE $1.4B27%C&I $0.5B1%Consumer $0.0BQ1 2024Q4 2025
Deposit mix
87%Interest-bearing $1.9B13%Noninterest $0.3BQ1 2024Q4 2025

Market Position · San Antonio-New Braunfels, TX · 2025 SOD (annual) · 0.8% share · #10 of 68 inst. · $1.4B of $174.9B

0.8% Bexar
1.1% Travis
6.4% Kerr
30.7% Bandera

Executive Summary

  • Earnings: ROA of 1.06%, up 45 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.04% of loans (-125 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.32%, up 48 bps from a year ago.
  • Funding: loans stand at 88.61% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

1.06%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.23%+64 bps YoY

Efficiency Ratio (YTD, annualized)

61.04%-75 bps YoY

Tier 1 Leverage Ratio

9.32%+48 bps YoY

NIM

4.36%Q4 ’234.89%Q4 ’245.23%Q4 ’25+3%+25%

Non-interest income vs. expense

2.23%Q4 ’232.17%Q4 ’242.14%Q4 ’25-31%+49%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.38%0.47%0.58%0.61%0.87%0.95%0.99%1.06%+45 bps
Return on Equity4.59%5.69%6.93%7.43%10.68%11.28%11.83%12.45%+501 bps
Net Interest Margin2.43%2.50%2.57%2.59%3.03%3.16%3.17%3.23%+64 bps
Efficiency Ratio78.49%57.50%61.07%61.78%66.19%64.10%62.85%61.04%-75 bps
Non-Interest Burden1.79%0.72%1.10%1.25%1.92%1.92%1.90%1.86%+61 bps
Growth
Asset Growth (YoY)7.87%7.11%5.20%12.56%9.02%3.66%8.84%-2.31%-1,487 bps
Loan Growth (YoY)9.16%8.68%8.51%8.13%4.49%2.48%2.55%0.94%-718 bps
Deposit Growth (YoY)8.23%7.02%4.30%13.69%9.67%3.98%9.75%-3.65%-1,734 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.94%1.29%0.00%0.01%0.01%0.04%-125 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.05%+6 bps
Allowance / Loans1.10%1.10%1.12%1.14%1.15%1.16%1.15%1.13%-1 bps
Allowance Coverage of NPLs118.2x128.2x1.2x0.9xn/a174.6x225.8x26.2x+25.3x
Capital
Tier 1 Leverage Ratio9.30%9.37%9.01%8.84%8.93%9.33%9.08%9.32%+48 bps
Total Risk-Based Capital11.67%11.75%11.63%11.58%12.14%12.21%12.04%12.41%+83 bps
Equity / Assets8.15%8.56%8.51%7.89%8.36%8.97%8.43%9.14%+124 bps
Liquidity & Funding
Loans / Deposits88.87%90.00%89.64%84.58%84.67%88.71%83.76%88.61%+403 bps
Liquid Assets / Assets6.93%6.66%7.28%11.46%11.57%8.22%13.33%9.71%-176 bps
CRE / Total Capitaln/an/an/an/an/an/a454%443%n/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 Partners Bank

San Antonio, TX · Cert 58581 · Peer group: banks $1B-$10B in assets (n=284-290)

FDIC · 11 branches

Q4 2025

$2.4BAssets
$1.9BLoans
$2.2BDeposits
$221.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 92% of banks $1B-$10B in assets (rank 24 of 284).
  • Widest gap: tier 1 capital ratio trails 80% of banks $1B-$10B in assets (rank 232 of 290).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.07%

Rank 153 of 290

Net Interest Margin

3.23%

Rank 155 of 290

Efficiency Ratio

61.16%

Rank 153 of 290

Equity / Assets

9.14%

Rank 201 of 290

Non-interest income vs. expense

$7.2M$54.0MINCOMEEXPENSE
Unfavorable gap of $46.8M · efficiency ratio beats 48% of banks $1B-$10B in assets
Bank 61.16%Peer median 60.5%Q3 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.07%0.82%1.09%1.41%Beats 47%153 / 290
Return on Equity11.74%8.04%10.59%13.08%Beats 60%115 / 290
Net Interest Margin3.23%2.87%3.28%3.78%Beats 47%155 / 290
Efficiency Ratio61.16%53.76%60.51%67.14%Beats 48%153 / 290
Asset Quality
Nonperforming Loans / Loans0.04%0.22%0.49%0.91%Beats 92%24 / 284
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.30%11.52%13.11%15.22%Beats 20%232 / 290
Total Risk-Based Capital Ratio12.41%12.41%14.01%16.12%Beats 25%218 / 290
Equity / Assets9.14%8.94%10.29%11.70%Beats 31%201 / 290
Liquidity & Funding
Loans / Deposits88.61%75.78%87.64%95.53%55th pctl129 / 284
Loans / Assets79.98%64.43%74.03%79.86%76th pctl67 / 284
Brokered Deposits / Deposits2.78%n/a2.01%8.63%Beats 47%151 / 285