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Letter portraitLegal landscapeQuarterYTD

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