PackageTrendsPeer
Letter portraitLegal landscape

Texas Security Bank

Dallas, TX · Cert 58739 · Texas Security Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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 in the Dallas-Fort Worth-Arlington, TX area (n=20). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer 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 2026-10-10

Texas Security Bank

Dallas, TX · Cert 58739 · Texas Security Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$1.4BAssets
$1.0BLoans
$1.2BDeposits
$119.5MEquity
Loan mix
83%RE $837.3M17%C&I $169.2M0%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $876.8M26%Noninterest $311.7MQ2 2025Q2 2026

NIM

5.39%Q2 ’245.16%Q2 ’255.18%Q2 ’26+9%+15%

Non-interest income vs. expense

2.13%Q2 ’242.04%Q2 ’252.11%Q2 ’26-5%+2%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #44 of 166 inst. · $1.2B of $732.8B

0.3% Dallas
0.5% Tarrant

Executive Summary

  • Earnings: ROA of 1.10%, up 26 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.41% of loans (+31 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.57%, down 18 bps from a year ago.
  • Funding: loans stand at 85.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+45 bps YoY

Efficiency Ratio (YTD, annualized)

57.50%-659 bps YoY

Tier 1 Leverage Ratio

9.57%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.93%1.11%1.03%1.10%+26 bps
Return on Equity10.14%11.07%13.19%12.29%12.94%+280 bps
Net Interest Margin2.95%2.98%2.98%3.52%3.40%+45 bps
Efficiency Ratio64.09%61.83%59.22%57.43%57.50%-659 bps
Non-Interest Burden1.81%1.75%1.67%1.92%1.84%+3 bps
Growth
Asset Growth (YoY)1.33%2.82%15.74%17.69%15.24%+1,391 bps
Loan Growth (YoY)3.79%5.89%8.87%16.96%13.05%+925 bps
Deposit Growth (YoY)6.73%13.63%15.40%11.35%17.37%+1,064 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.01%0.00%0.00%0.41%+31 bps
Net Charge-Offs / Loans0.00%0.01%0.07%0.00%0.00%0 bps
Allowance / Loans1.30%1.31%1.11%1.11%1.17%-13 bps
Allowance Coverage of NPLs14.2x127.9xn/an/a2.9x-11.4x
Capital
Tier 1 Leverage Ratio9.74%9.72%9.80%10.01%9.57%-18 bps
Total Risk-Based Capital14.61%14.81%15.08%14.20%14.55%-6 bps
Equity / Assets8.38%8.60%8.39%8.41%8.69%+30 bps
Liquidity & Funding
Loans / Deposits89.15%87.01%76.75%90.10%85.86%-328 bps
Liquid Assets / Assets3.20%4.25%11.81%8.20%8.01%+481 bps
CRE / Total Capitaln/a449%439%488%n/an/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 2026-10-10

Texas Security Bank

Dallas, TX · Cert 58739 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Texas Security Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$1.4BAssets
$1.0BLoans
$1.2BDeposits
$119.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 4 of 20).
  • Widest gap: equity / assets trails 80% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 16 of 20).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.09%

Rank 11 of 20

Net Interest Margin

3.40%

Rank 11 of 20

Efficiency Ratio

57.50%

Rank 8 of 20

Equity / Assets

8.69%

Rank 16 of 20

Non-interest income vs. expense

$3.8M$30.0MINCOMEEXPENSE
Unfavorable gap of $26.1M · efficiency ratio beats 65% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 57.50%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%0.68%1.15%1.86%Beats 45%11 / 20
Return on Equity12.55%7.45%10.95%14.25%Beats 60%8 / 20
Net Interest Margin3.40%2.87%3.58%4.28%Beats 45%11 / 20
Efficiency Ratio57.50%52.33%65.48%74.79%Beats 65%8 / 20
Asset Quality
Nonperforming Loans / Loans0.41%0.18%0.42%1.54%Beats 60%9 / 20
Net Charge-Offs / Loans0.00%0.00%0.02%0.14%Beats 100%4 / 20
Capital
Tier 1 Capital Ratio13.35%13.35%15.71%17.39%Beats 25%15 / 20
Total Risk-Based Capital Ratio14.55%14.55%16.02%18.64%Beats 25%15 / 20
Equity / Assets8.69%9.74%11.64%13.21%Beats 20%16 / 20
Liquidity & Funding
Loans / Deposits85.86%72.63%81.14%96.60%65th pctl7 / 20
Loans / Assets74.20%60.26%69.54%79.68%65th pctl7 / 20
Brokered Deposits / Depositsn/aNot reported for this institution