Slide 1: Q4 and Full Year 2025 Results
Q4 and Full Year 2025 Results Financial Update January 2026
Slide 2: 2025 Financial Highlights
2025 Financial Highlights Revenue (000's) Fully Diluted EPS Assets $58,000 $56,567 $7.60 $7.46 $1,600,000 $1,415,872 $56,000 $7.40 $1,400,000 $7.20 $54,000 $1,200,000 $1,003,781 $7.00 $52,000 $1,000,000 $6.80 $50,000 $6.60 $800,000 $48,089 $6.34 $48,000 $6.40 $600,000 $46,000 $6.20 $400,000 $6.00 $4
Slide 3: 2025 Financial Highlights
2025 Financial Highlights ($000s) Income Summary YE 2025 YE 2024 % Change Non-Interest Income $24,408 $22,119 10.3% Net Interest Income $34,028 $26,186 29.9% Provision for Credit Losses $1,869 $217 761.3% Non-Interest Expense $29,849 $25,121 18.8% Earnings Before Taxes $26,718 $22,967 16.3% Income T
Slide 4: Q4 2025 Financial Highlights
Q4 2025 Financial Highlights ($000s) Income Summary 4Q 2025 4Q 2024 % Change Non-Interest Income $5,871 $5,790 1.4% Net Interest Income $9,537 $6,872 38.8% Provision for Credit Losses $1,092 $145 653.1% Non-Interest Expense $7,685 $6,212 23.7% Earnings Before Taxes $6,631 $6,305 5.2% Income Tax Expe
Slide 5: Safe and Reliable Credit Quality
Safe and Reliable Credit Quality 90 days+ past due loans: $10k Non-performing assets (NPAs): $106k No other real estate owned (OREO) Allowance vs. NPAs ($000s) Reserves / Loans $8,000 0.98% $7,500 $7,000 0.97% $6,500 $6,000 0.96% $5,500 $5,000 0.95% $4,500 $4,000 0.94% $3,500 $3,000 0.93% $2,5
Slide 6: Loan Yield & Concentrations
Loan Yield & Concentrations Commercial Real Estate concentration was 255% of capital at quarter end Acquisition, Construction, & Development loans was 47% of capital at quarter end Average loans yields fell 7bps quarter-over-quarter driven by the decline in floating rate loans driven by FOMC r
Slide 7: Deposit Costs
Deposit Costs Cost of funds fell 17bps from Q3 2025 to 2.91% in Q4 2025 Federal funds rate declines drove the changes NIBA / Total Deposits Cost of Funds 18% 6.00% 15.8% 16% 14.9% 14.5% 5.00% 13.8% 14% 13.1% 12.4% 12.3% 4.00% 12% 11.3% 11.5% 10% 3.00% 8% 2.00% 6% 4% 1.00% 2% 0.00% 0% Q4 Q1 Q2 Q3
Slide 8: Net Interest Margin
Net Interest Margin NIM increased 15bps in Q4 2025 compared to Q3 2025 as cost of funds decreased more than earning asset yields NIM vs. Cost of Funds NIM vs. Fed Funds 4.0% 6.00% 3.5% 5.00% 3.0% 4.00% 2.5% 2.0% 3.00% 1.5% 2.00% 1.0% 1.00% 0.5% 0.00% 0.0% Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q3 Q4 Q1 Q2
Slide 9: ROAE and Efficiency Ratio
ROAE and Efficiency Ratio 25% 45% 47% 20% 49% 51% Efficiency Ratio 15% 53% ROAE 55% 10% 57% 59% 5% 61% 63% 0% 65% 2018 2019 2020 2021 2022 2023 2024 2025 ROAE Efficiency Ratio 9
Slide 10: Pre-Tax, Pre-Provision Net Revenue (PPNR)
Pre-Tax, Pre-Provision Net Revenue (PPNR) Net Interest Income (+) Non-Interest Expense (-) +21.05% Non-Interest Income (+) Pre-Tax, Pre-Provision Net Revenue(=) Q4 2025 vs. Q4 2024 Q4 2024 Q3 2025 Q4 2025 16000 15000 14000 13000 12000 $6,012 5,871 11000 $7,494 7,685 10000 5436 6212 9000 8000 7000 60
Slide 11: Truxton Wealth Growth Continues
Truxton Wealth Growth Continues Truxton Wealth represented 41% of net revenue in Q4 2025 Truxton Wealth represented 92% of total non-interest income in Q4 2025 Truxton Wealth revenue increased 10.9% in Q4 2025 compared to Q4 2024 Wealth Management Revenue (000s) Wealth Management Revenue (000s
Slide 12: TRUX Financial Returns – Quarterly Trends
TRUX Financial Returns – Quarterly Trends Efficiency Ratio fell 77 basis points compared to Q4 2024 Net interest margin (NIM) is 18 basis points higher compared to Q4 2024 Return on average assets (ROAA) is down 34 basis points from Q4 2024 Return on average equity (ROAE) is down 139 basis p
Slide 13: TRUX Financial Returns – Annual Trends
TRUX Financial Returns – Annual Trends Efficiency Ratio fell 119 basis points compared to 2024 Net interest margin (NIM) is 17 basis points higher compared to 2024 Return on average assets (ROAA) is down 12 basis points from 2024 Return on average equity (ROAE) is down 73 basis points from 2
Slide 14: Truxton
T TRUXTON EALTH = FAMILY OFFICE = BANKING