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Fundbank, National Association

Austin, TX · Cert 59366

FDIC

Q2 2026

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

Executive Summary

  • Earnings: ROA of -49.18%, down 2,399 bps year over year; NIM at 3.23%.
  • Capital: tier 1 leverage ratio of 80.18%, down 1,372 bps from a year ago.

Return on Assets (quarter, annualized)

-49.18%-2,399 bps YoY

Net Interest Margin (quarter, annualized)

3.23%-59 bps YoY

Efficiency Ratio (quarter, annualized)

2458%+150,061 bps YoY

Tier 1 Leverage Ratio

80.18%-1,372 bps YoY

NIM

3.25%Q1 ’253.38%Q2 ’252.43%Q2 ’26+5%-15%

Non-interest income vs. expense

40.17%Q1 ’2535.07%Q2 ’2565.27%Q2 ’26-13%+87%

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-22.92%-30.83%-25.19%-30.70%-41.53%-30.68%-49.18%-2,399 bps
Return on Equity-22.92%-32.60%-27.42%-32.91%-45.25%-33.84%-55.50%-2,808 bps
Net Interest Margin2.55%3.64%3.82%3.51%3.68%3.19%3.23%-59 bps
Efficiency Ratio1528%1235%957%1296%1338%1277%2458%+150,061 bps
Non-Interest Burdenn/a40.17%34.76%42.20%56.11%41.49%65.04%+3,027 bps
Growth
Asset Growth (YoY)n/an/an/an/a11.88%-5.65%-14.04%n/a
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio113.06%87.23%93.90%96.10%84.90%83.70%80.18%-1,372 bps
Total Risk-Based Capital521%326%347%348%339%307%260%-8,680 bps
Equity / Assets100.00%89.57%94.03%92.61%90.84%90.47%86.66%-737 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/a0.00%0.00%0.00%n/an/a