PackageTrendsPeer
Letter portraitLegal landscape

Fundbank, National Association

Austin, TX · Cert 59366

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

100

Q4 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

10

Q4 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

1

Q4 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

Fundbank, National Association

Austin, TX · Cert 59366

FDIC

Q2 2026

$25.6MAssets
$0KLoans
$0KDeposits
$22.2MEquity

NIM

2.27%Q4 ’243.27%Q2 ’252.58%Q2 ’26+46%-7%

Non-interest income vs. expense

34.66%Q4 ’2437.08%Q2 ’2555.28%Q2 ’26+7%+48%

Executive Summary

  • Earnings: ROA of -39.51%, down 1,150 bps year over year; NIM at 3.43%.
  • Capital: tier 1 leverage ratio of 80.18%, down 1,372 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-39.51%-1,150 bps YoY

Net Interest Margin (YTD, annualized)

3.43%-27 bps YoY

Efficiency Ratio (YTD, annualized)

1783%+69,678 bps YoY

Tier 1 Leverage Ratio

80.18%-1,372 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-28.01%-28.92%-32.59%-30.68%-39.51%-1,150 bps
Return on Equity-29.68%-30.80%-34.94%-33.84%-44.19%-1,451 bps
Net Interest Margin3.71%3.60%3.75%3.19%3.43%-27 bps
Efficiency Ratio1086%1156%1211%1277%1783%+69,678 bps
Non-Interest Burden36.93%37.82%42.77%41.49%54.76%+1,783 bps
Growth
Asset Growth (YoY)n/an/a11.88%-5.65%-14.04%n/a
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 Ratio93.90%96.10%84.90%83.70%80.18%-1,372 bps
Total Risk-Based Capital347%348%339%307%260%-8,680 bps
Equity / Assets94.03%92.61%90.84%90.47%86.66%-737 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/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

Fundbank, National Association

Austin, TX · Cert 59366 · Peer group: banks under $1B in assets in TX (n=211)

FDIC

Q2 2026

$25.6MAssets
$0KLoans
$0KDeposits
$22.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 100% of banks under $1B in assets in TX (rank 1 of 211).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in TX (rank 210 of 211).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-41.98%

Rank 210 of 211

Net Interest Margin

3.43%

Rank 148 of 211

Efficiency Ratio

1783%

Rank 210 of 211

Equity / Assets

86.66%

Rank 3 of 211

Non-interest income vs. expense

$0.1M$14.4MINCOMEEXPENSE
Unfavorable gap of $14.3M · efficiency ratio beats 1% of banks under $1B in assets in TX
Bank 1783%Peer median 64.2%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-41.98%0.87%1.20%1.65%Beats 0%210 / 211
Return on Equity-48.44%7.52%11.67%14.58%Beats 0%210 / 211
Net Interest Margin3.43%3.28%3.82%4.31%Beats 30%148 / 211
Efficiency Ratio1783%53.01%64.18%73.65%Beats 1%210 / 211
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio260%11.72%14.45%19.57%Beats 100%1 / 211
Total Risk-Based Capital Ratio260%11.94%14.78%20.30%Beats 100%1 / 211
Equity / Assets86.66%9.41%11.06%12.94%Beats 99%3 / 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