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Liberty Capital Bank

Addison, TX · Cert 58852 · Liberty Capital Bancshares 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 under $1B 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 under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

68

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

Liberty Capital Bank

Addison, TX · Cert 58852 · Liberty Capital Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$767.9MAssets
$621.9MLoans
$675.9MDeposits
$86.1MEquity
Loan mix
91%RE $490.6M8%C&I $44.9M1%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $492.1M27%Noninterest $183.8MQ2 2025Q2 2026

NIM

5.74%Q2 ’246.01%Q2 ’255.89%Q2 ’26+13%+6%

Non-interest income vs. expense

1.87%Q2 ’241.79%Q2 ’252.46%Q2 ’26-4%+34%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #79 of 166 inst. · $0.5B of $732.8B

0.1% Dallas
7.5% Kendall
16.7% Callahan
0.0% Bexar

Executive Summary

  • Earnings: ROA of 1.21%, down 29 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.07% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.89%, down 44 bps from a year ago.
  • Funding: loans stand at 92.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%-29 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+23 bps YoY

Efficiency Ratio (YTD, annualized)

57.70%+1,095 bps YoY

Tier 1 Leverage Ratio

10.89%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.53%1.59%1.32%1.21%-29 bps
Return on Equity13.52%13.97%14.44%11.73%10.77%-275 bps
Net Interest Margin3.80%3.64%4.00%4.21%4.03%+23 bps
Efficiency Ratio46.75%46.31%53.39%57.25%57.70%+1,095 bps
Non-Interest Burden1.76%1.67%2.15%2.45%2.35%+59 bps
Growth
Asset Growth (YoY)21.81%22.20%75.50%76.14%51.97%+3,016 bps
Loan Growth (YoY)30.46%26.54%72.23%58.63%60.22%+2,976 bps
Deposit Growth (YoY)19.60%18.55%76.05%75.81%54.63%+3,503 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.00%0.01%0.05%0.07%+1 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.01%0.00%0 bps
Allowance / Loans1.08%1.08%1.08%1.13%1.10%+2 bps
Allowance Coverage of NPLs16.1xn/a87.4x23.7x15.0x-1.1x
Capital
Tier 1 Leverage Ratio11.34%10.84%10.71%11.15%10.89%-44 bps
Total Risk-Based Capital14.45%14.05%13.77%14.78%13.70%-75 bps
Equity / Assets10.00%10.47%11.09%11.44%11.21%+121 bps
Liquidity & Funding
Loans / Deposits88.80%95.42%91.36%87.89%92.01%+321 bps
Liquid Assets / Assets19.72%15.78%16.34%19.84%15.95%-378 bps
CRE / Total Capitaln/a408%464%456%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

Liberty Capital Bank

Addison, TX · Cert 58852 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Liberty Capital Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$767.9MAssets
$621.9MLoans
$675.9MDeposits
$86.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 10 of 28).
  • Widest gap: tier 1 capital ratio trails 75% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 21 of 28).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.19%

Rank 16 of 28

Net Interest Margin

4.03%

Rank 16 of 28

Efficiency Ratio

59.97%

Rank 10 of 28

Equity / Assets

11.21%

Rank 13 of 28

Non-interest income vs. expense

$0.8M$18.5MINCOMEEXPENSE
Unfavorable gap of $17.7M · efficiency ratio beats 68% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 59.97%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%1.12%1.22%1.47%Beats 43%16 / 28
Return on Equity10.57%8.64%12.47%13.41%Beats 36%18 / 28
Net Interest Margin4.03%3.77%4.06%4.51%Beats 43%16 / 28
Efficiency Ratio59.97%57.39%61.94%66.78%Beats 68%10 / 28
Asset Quality
Nonperforming Loans / Loans0.07%n/a0.28%1.06%Beats 64%11 / 28
Net Charge-Offs / Loans0.00%0.00%0.01%0.20%Beats 68%10 / 28
Capital
Tier 1 Capital Ratio12.55%12.55%13.77%17.51%Beats 25%21 / 28
Total Risk-Based Capital Ratio13.70%12.59%14.62%18.18%Beats 39%17 / 28
Equity / Assets11.21%9.58%11.17%13.58%Beats 54%13 / 28
Liquidity & Funding
Loans / Deposits92.01%66.90%84.79%89.14%82nd pctl5 / 28
Loans / Assets80.99%57.58%73.59%77.32%89th pctl3 / 28
Brokered Deposits / Depositsn/aNot reported for this institution