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Hightower Trust Company, National Association, The

Houston, TX · Cert 59321

FDIC

Q2 2026

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

NIM

3.90%Q2 ’243.62%Q2 ’252.80%Q2 ’26-8%-22%

Non-interest income vs. expense

47.42%Q2 ’2448.86%Q2 ’2538.31%Q2 ’26-153%+948%

Executive Summary

  • Earnings: ROA of -7.07%, down 1,066 bps year over year; NIM at 2.83%.
  • Capital: tier 1 leverage ratio of 83.34%, down 676 bps from a year ago.

Financial Results

Return on Assets (quarter, annualized)

-7.07%-1,066 bps YoY

Net Interest Margin (quarter, annualized)

2.83%-80 bps YoY

Efficiency Ratio (quarter, annualized)

129.62%+3,888 bps YoY

Tier 1 Leverage Ratio

83.34%-676 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.59%-0.84%-2.45%-4.19%-7.07%-1,066 bps
Return on Equity4.27%-0.97%-2.81%-4.81%-8.09%-1,236 bps
Net Interest Margin3.63%3.75%4.03%2.02%2.83%-80 bps
Efficiency Ratio90.74%102.17%107.60%112.93%129.62%+3,888 bps
Non-Interest Burden-1.36%4.65%7.18%7.36%11.55%+1,291 bps
Growth
Asset Growth (YoY)2.17%-1.86%-1.66%-7.75%-6.91%-909 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio90.10%82.74%92.15%90.56%83.34%-676 bps
Total Risk-Based Capital90.10%82.74%92.15%90.56%83.34%-676 bps
Equity / Assets86.06%87.31%87.05%87.25%87.65%+159 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.02%0.01%0.07%0.10%0.33%+31 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a