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Agility Bank, N.A.

Houston, TX · Cert 59239

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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

5

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

Agility Bank, N.A.

Houston, TX · Cert 59239

National charter · OCC · 1 branch

Q2 2026

$151.6MAssets
$99.9MLoans
$120.3MDeposits
$28.7MEquity
Loan mix
69%RE $71.4M30%C&I $31.5M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $87.0M28%Noninterest $33.4MQ2 2025Q2 2026

NIM

6.32%Q2 ’246.40%Q2 ’255.96%Q2 ’26-9%-9%

Non-interest income vs. expense

7.79%Q2 ’245.68%Q2 ’254.38%Q2 ’26-35%-16%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #78 of 107 inst. · $0.1B of $360.4B

Executive Summary

  • Earnings: ROA of -0.44%, up 104 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 1.18% of loans (+109 bps YoY), with net charge-offs at 0.34%.
  • Capital: tier 1 leverage ratio of 19.99%, down 249 bps from a year ago.
  • Funding: loans stand at 83.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.44%+104 bps YoY

Net Interest Margin (YTD, annualized)

3.97%-39 bps YoY

Efficiency Ratio (YTD, annualized)

105.38%-708 bps YoY

Tier 1 Leverage Ratio

19.99%-249 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.48%-1.07%-0.67%-0.55%-0.44%+104 bps
Return on Equity-6.10%-4.50%-2.87%-2.60%-2.15%+395 bps
Net Interest Margin4.36%4.39%4.44%4.24%3.97%-39 bps
Efficiency Ratio112.46%110.10%102.10%110.09%105.38%-708 bps
Non-Interest Burden4.99%4.88%4.55%4.69%4.19%-80 bps
Growth
Asset Growth (YoY)59.61%48.41%25.81%13.89%14.45%-4,517 bps
Loan Growth (YoY)83.97%45.66%18.39%6.43%-1.25%-8,522 bps
Deposit Growth (YoY)115.03%86.80%42.24%20.08%19.93%-9,509 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.53%0.51%1.18%+109 bps
Net Charge-Offs / Loans0.74%0.50%0.52%0.50%0.34%-40 bps
Allowance / Loans1.69%1.72%1.76%1.63%1.76%+7 bps
Allowance Coverage of NPLs18.8x19.3x3.3x3.2x1.5x-17.3x
Capital
Tier 1 Leverage Ratio22.48%21.94%22.07%21.58%19.99%-249 bps
Total Risk-Based Capital22.48%21.94%22.07%21.58%19.99%-249 bps
Equity / Assets21.88%22.15%22.30%20.05%18.93%-295 bps
Liquidity & Funding
Loans / Deposits100.81%101.32%102.75%91.81%83.01%-1,780 bps
Liquid Assets / Assets16.86%16.36%15.77%22.06%29.01%+1,214 bps
CRE / Total Capitaln/a223%225%227%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

Agility Bank, N.A.

Houston, TX · Cert 59239 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)

National charter · OCC · 1 branch

Q2 2026

$151.6MAssets
$99.9MLoans
$120.3MDeposits
$28.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 90% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 2 of 21).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 21 of 21).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.41%

Rank 21 of 21

Net Interest Margin

3.97%

Rank 11 of 21

Efficiency Ratio

105.38%

Rank 21 of 21

Equity / Assets

18.93%

Rank 2 of 21

Non-interest income vs. expense

$0.3M$6.3MINCOMEEXPENSE
Unfavorable gap of $6.0M · efficiency ratio beats 5% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 105.38%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.41%0.77%1.16%1.46%Beats 0%21 / 21
Return on Equity-2.17%6.66%8.42%15.66%Beats 0%21 / 21
Net Interest Margin3.97%3.50%3.97%4.41%Beats 48%11 / 21
Efficiency Ratio105.38%59.33%68.18%79.00%Beats 5%21 / 21
Asset Quality
Nonperforming Loans / Loans1.18%0.01%0.37%1.25%Beats 33%15 / 21
Net Charge-Offs / Loans0.17%n/a0.01%0.05%Beats 5%21 / 21
Capital
Tier 1 Capital Ratio19.99%12.65%15.76%18.38%Beats 81%4 / 21
Total Risk-Based Capital Ratio19.99%12.65%16.68%19.63%Beats 81%4 / 21
Equity / Assets18.93%9.08%11.30%15.80%Beats 90%2 / 21
Liquidity & Funding
Loans / Deposits83.00%64.96%78.30%90.30%67th pctl7 / 21
Loans / Assets65.86%55.83%65.86%74.20%48th pctl11 / 21
Brokered Deposits / Depositsn/aNot reported for this institution