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Texan Bank

Sugar Land, TX · Cert 58671

FDIC · 5 branches

Q4 2021

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: Q4 2021, the quarter ended December 31, 2021, 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

Texan Bank

Sugar Land, TX · Cert 58671

FDIC · 5 branches

Q4 2021

$455.4MAssets
$335.6MLoans
$385.8MDeposits
$48.3MEquity
Loan mix
82%RE $201.7M18%C&I $43.2M1%Consumer $1.6MQ4 2020Q4 2021
Deposit mix
70%Interest-bearing $268.9M30%Noninterest $116.9MQ4 2020Q4 2021

NIM

5.31%Q4 ’194.61%Q4 ’204.30%Q4 ’21-4%+4%

Non-interest income vs. expense

3.40%Q4 ’193.09%Q4 ’203.21%Q4 ’21-11%-12%

Market Position · Houston-The Woodlands-Sugar Land, TX · 2021 SOD (annual) · 0.1% share · #50 of 95 inst. · $0.4B of $333.7B

0.7% Fort Bend
1.9% Galveston
0.0% Harris

Executive Summary

  • Earnings: ROA of 1.10%, up 66 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.50% of loans (-2 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.50%, down 23 bps from a year ago.
  • Funding: loans stand at 87.01% of deposits as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

1.10%+66 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+13 bps YoY

Efficiency Ratio (YTD, annualized)

70.88%-757 bps YoY

Tier 1 Leverage Ratio

10.50%-23 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.44%1.11%1.08%1.07%1.10%+66 bps
Return on Equity3.86%10.00%9.90%9.87%10.22%+636 bps
Net Interest Margin3.70%4.19%4.14%3.90%3.83%+13 bps
Efficiency Ratio78.45%68.18%69.99%70.56%70.88%-757 bps
Non-Interest Burden2.85%2.67%2.71%2.56%2.51%-34 bps
Growth
Asset Growth (YoY)13.35%19.40%5.62%9.72%17.32%+397 bps
Loan Growth (YoY)14.23%22.74%2.92%4.05%1.83%-1,240 bps
Deposit Growth (YoY)8.02%13.08%12.50%14.49%19.12%+1,110 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.83%0.48%0.48%0.50%-2 bps
Net Charge-Offs / Loans0.14%-0.01%-0.01%-0.01%-0.01%-15 bps
Allowance / Loans1.28%1.21%1.27%1.26%1.30%+2 bps
Allowance Coverage of NPLs2.5x1.5x2.6x2.6x2.6x+0.1x
Capital
Tier 1 Leverage Ratio10.74%10.82%10.76%10.35%10.50%-23 bps
Total Risk-Based Capital10.74%10.82%10.76%10.35%10.50%-23 bps
Equity / Assets11.28%10.91%10.60%10.58%10.60%-68 bps
Liquidity & Funding
Loans / Deposits101.79%104.91%94.15%91.28%87.01%-1,478 bps
Liquid Assets / Assets10.43%7.53%16.50%14.76%16.66%+622 bps
CRE / Total Capitaln/an/an/an/an/an/an/a