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Letter portraitLegal landscapeQuarterYTD

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