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Hightower Trust Company, National Association, The

Houston, TX · Cert 59321

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

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 TX (n=211). 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

98

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

2

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

2

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

Hightower Trust Company, National Association, The

Houston, TX · Cert 59321

FDIC

Q2 2026

$16.9MAssets
$0KLoans
$0KDeposits
$14.8MEquity

Executive Summary

  • Earnings: ROA of -5.62%, down 817 bps year over year; NIM at 2.37%.
  • Capital: tier 1 leverage ratio of 83.34%, down 676 bps from a year ago.

Return on Assets (YTD, annualized)

-5.62%-817 bps YoY

Net Interest Margin (YTD, annualized)

2.37%-133 bps YoY

Efficiency Ratio (YTD, annualized)

120.11%+2,684 bps YoY

Tier 1 Leverage Ratio

83.34%-676 bps YoY

NIM

3.51%Q2 ’243.69%Q2 ’252.35%Q2 ’26+4%-36%

Non-interest income vs. expense

47.33%Q2 ’2448.63%Q2 ’2541.23%Q2 ’26-90%+4910%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%1.69%1.47%2.55%1.43%0.48%-4.19%-5.62%-817 bps
Return on Equity2.24%2.03%1.76%3.02%1.68%0.56%-4.81%-6.43%-945 bps
Net Interest Margin3.93%4.22%3.67%3.70%3.52%3.98%2.02%2.37%-133 bps
Efficiency Ratio94.98%95.31%95.97%93.27%95.98%98.45%112.93%120.11%+2,684 bps
Non-Interest Burden1.32%1.71%1.68%0.18%1.66%3.20%7.36%9.25%+907 bps
Growth
Asset Growth (YoY)1.41%3.27%-4.38%2.17%-1.86%-1.66%-7.75%-6.91%-909 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio84.85%89.02%86.45%90.10%82.74%92.15%90.56%83.34%-676 bps
Total Risk-Based Capital84.85%89.02%86.45%90.10%82.74%92.15%90.56%83.34%-676 bps
Equity / Assets84.41%85.24%81.98%86.06%87.31%87.05%87.25%87.65%+159 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.01%0.02%0.01%0.02%0.01%0.07%0.10%0.33%+31 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%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

Hightower Trust Company, National Association, The

Houston, TX · Cert 59321 · Peer group: banks under $1B in assets in TX (n=211)

FDIC

Q2 2026

$16.9MAssets
$0KLoans
$0KDeposits
$14.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 99% of banks under $1B in assets in TX (rank 2 of 211).
  • Widest gap: return on equity trails 99% of banks under $1B in assets in TX (rank 208 of 211).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-5.77%

Rank 209 of 211

Net Interest Margin

2.37%

Rank 203 of 211

Efficiency Ratio

120.11%

Rank 207 of 211

Equity / Assets

87.65%

Rank 2 of 211

Non-interest income vs. expense

$5.7M$7.3MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 2% of banks under $1B in assets in TX
Bank 120.11%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-5.77%0.87%1.20%1.65%Beats 1%209 / 211
Return on Equity-6.58%7.52%11.67%14.58%Beats 1%208 / 211
Net Interest Margin2.37%3.28%3.82%4.31%Beats 4%203 / 211
Efficiency Ratio120.11%53.01%64.18%73.65%Beats 2%207 / 211
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio83.34%11.72%14.45%19.57%Beats 98%4 / 211
Total Risk-Based Capital Ratio83.34%11.94%14.78%20.30%Beats 98%4 / 211
Equity / Assets87.65%9.41%11.06%12.94%Beats 99%2 / 211
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%39.13%56.90%70.46%0th pctl209 / 211
Brokered Deposits / Depositsn/aNot reported for this institution