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Mint National Bank, The

Kingwood, TX · Cert 58764 · Mint Holdings Inc. the

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Houston-Pasadena-The Woodlands, 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 under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21). 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

67

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 2026-10-11

Mint National Bank, The

Kingwood, TX · Cert 58764 · Mint Holdings Inc. the

National charter · OCC · 1 branch

Q2 2026

$388.9MAssets
$317.1MLoans
$306.5MDeposits
$71.1MEquity
Loan mix
89%RE $279.6M11%C&I $35.6M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $279.1M9%Noninterest $27.4MQ2 2025Q2 2026

NIM

7.79%Q2 ’247.98%Q2 ’257.30%Q2 ’26+14%+1%

Non-interest income vs. expense

2.74%Q2 ’243.16%Q2 ’253.35%Q2 ’26+29%+10%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #57 of 107 inst. · $0.3B of $360.4B

Executive Summary

  • Earnings: ROA of 1.44%, up 8 bps year over year; NIM at 4.81%.
  • Asset quality: problem loans at 2.78% of loans (+79 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 18.35%, up 219 bps from a year ago.
  • Funding: loans stand at 103.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.81%+3 bps YoY

Efficiency Ratio (YTD, annualized)

62.89%+401 bps YoY

Tier 1 Leverage Ratio

18.35%+219 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.34%1.49%1.32%1.44%+8 bps
Return on Equity8.98%8.64%9.42%7.54%8.12%-86 bps
Net Interest Margin4.78%4.84%4.80%4.76%4.81%+3 bps
Efficiency Ratio58.88%62.40%59.90%63.34%62.89%+401 bps
Non-Interest Burden2.57%2.80%2.64%2.86%2.83%+26 bps
Growth
Asset Growth (YoY)-4.82%-3.99%-9.87%-8.23%-4.34%+48 bps
Loan Growth (YoY)-2.66%-1.21%-7.17%-6.79%-2.91%-24 bps
Deposit Growth (YoY)-7.38%-6.21%-13.37%-10.85%-6.27%+110 bps
Asset Quality
Nonperforming Loans / Loans2.00%1.89%3.58%3.34%2.78%+79 bps
Net Charge-Offs / Loans0.91%0.61%0.47%0.00%-0.01%-92 bps
Allowance / Loans2.42%2.41%2.43%2.58%2.57%+14 bps
Allowance Coverage of NPLs1.2x1.3x0.7x0.8x0.9x-0.3x
Capital
Tier 1 Leverage Ratio16.16%16.68%17.08%17.65%18.35%+219 bps
Total Risk-Based Capital16.16%16.68%17.08%17.65%18.35%+219 bps
Equity / Assets16.19%16.52%17.12%17.83%18.29%+210 bps
Liquidity & Funding
Loans / Deposits99.89%100.75%101.62%101.11%103.48%+359 bps
Liquid Assets / Assets12.53%12.10%10.31%13.87%12.56%+2 bps
CRE / Total Capitaln/a394%393%377%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 2026-10-11

Mint National Bank, The

Kingwood, TX · Cert 58764 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Mint Holdings Inc. the

National charter · OCC · 1 branch

Q2 2026

$388.9MAssets
$317.1MLoans
$306.5MDeposits
$71.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 21).
  • Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 18 of 21).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.46%

Rank 6 of 21

Net Interest Margin

4.81%

Rank 3 of 21

Efficiency Ratio

62.89%

Rank 8 of 21

Equity / Assets

18.29%

Rank 3 of 21

Non-interest income vs. expense

$2.0M$13.0MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 67% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 62.89%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.46%0.77%1.16%1.46%Beats 71%6 / 21
Return on Equity7.99%6.66%8.42%15.66%Beats 38%13 / 21
Net Interest Margin4.81%3.50%3.97%4.41%Beats 86%3 / 21
Efficiency Ratio62.89%59.33%68.18%79.00%Beats 67%8 / 21
Asset Quality
Nonperforming Loans / Loans2.78%0.01%0.37%1.25%Beats 19%18 / 21
Net Charge-Offs / Loans0.00%n/a0.01%0.05%Beats 100%9 / 21
Capital
Tier 1 Capital Ratio18.35%12.65%15.76%18.38%Beats 67%7 / 21
Total Risk-Based Capital Ratio18.35%12.65%16.68%19.63%Beats 67%7 / 21
Equity / Assets18.29%9.08%11.30%15.80%Beats 86%3 / 21
Liquidity & Funding
Loans / Deposits103.48%64.96%78.30%90.30%90th pctl2 / 21
Loans / Assets81.53%55.83%65.86%74.20%86th pctl3 / 21
Brokered Deposits / Depositsn/aNot reported for this institution