Truxton Corp · OTC:TRUX
Truxton — Shareholder Meeting (May 2026)
16 slides from Truxton's shareholder meeting presentation, May 20, 2026
Slide 1: Annual Meeting of Shareholders
Annual Meeting of Shareholders Thomas S. Stumb Chairman & Chief Executive Officer Austin S. Branstetter EVP, Chief Financial Officer May 20th, 2026
Slide 2: Since inception, our shareholders have been rewarded by differentiated success
Since inception, our shareholders have been rewarded by differentiated success 18% 15% $20.40 18% Net Income EPS Cum. dividends Revenue CAGR CAGR paid per share CAGR since 2005 since 2005 ($59 MM total) since 2005 CAGRs through 12/31/2025, dividends through 3/31/2026 2
Slide 3: Truxton has Amply Rewarded: Shareholders & The Government
Truxton has Amply Rewarded: Shareholders & The Government ▪ $20MM of initial capital raised ▪ Cumulative Taxes: $42MM ▪ Cumulative Dividends: $59MM, $20.40 per share Cumulative Dividends vs. Cumulative Taxes (000s) $60,000 $50,000 $40,000 $30,000 $20,000 $10,000 $0 2009 2010 2011 2012 2013 2014 2015
Slide 4: Truxton returns have been exceptional
Truxton returns have been exceptional Annualized Total Return through 2025 3-year 5-year 10-year TRUX Truxton 15.1% 19.1% 17.3% KBWR Regional Bank ETF 5.9% 8.5% 6.9% IYG Financial Services ETF 22.4% 14.8% 13.7% VIOO S&P 600 Small Cap 10.1% 7.2% 9.8% VOO S&P 500 23.0% 14.4% 14.8% TFC Truist 10.4% 5.4
Slide 5: Results driven by holistic focus on UHNW market
Results driven by holistic focus on UHNW market ▪ Intentional focus on higher revenue opportunity clients ▪ Balanced approach to our revenue mix ▪ Proven model for Wealth growth, with meaningful contribution from Banking ▪ Banking serves as UHNW funnel for new business development and a resource for
Slide 6: Results driven by holistic focus on UHNW market
Results driven by holistic focus on UHNW market • Intentional focus on higher revenue opportunity clients • Balanced approach to our revenue mix • Proven model for Wealth growth, with meaningful contribution from Banking • Banking serves as UHNW funnel for new business development and a resource for
Slide 7: 2025 Financial Highlights
2025 Financial Highlights Revenue (000's) Fully Diluted EPS Assets $58,000 $56,567 $8 $7 $1,450,000 $1,415,872 $56,000 $7 $1,400,000 $1,350,000 $54,000 $7 $52,000 +18% $7 +18% $1,300,000 $1,250,000 +41% $50,000 $7 $1,200,000 $48,088 $48,000 $7 $1,150,000 $6 $1,100,000 $46,000 $6 $1,050,000 $44,000 $
Slide 8: 2025 Financial Highlights
2025 Financial Highlights ($000s) Income Summary YE 2025 YE 2024 % Change Noninterest Income $24,408 $22,119 10.35% Net Interest Income $34,028 $26,186 29.95% Provision for Credit Losses $1,869 $217 761.29% Noninterest Expense $29,849 $25,121 18.82% Earnings Before Taxes $26,718 $22,967 16.33% Incom
Slide 9: Success is Continuing in 2026
Success is Continuing in 2026 ($000s) Income Summary Q1 2026 Q1 2025 % Change Noninterest Income $6,350 $6,382 -0.50% Net Interest Income $10,419 $7,245 43.81% Provision for Credit Losses ($156) $390 -140.00% Noninterest Expense $8,335 $6,983 19.36% Earnings Before Taxes $8,590 $6,254 37.35% Income
Slide 10: Safe and Reliable Credit Quality
Safe and Reliable Credit Quality ▪ 90 days+ past due loans: $29k ▪ Non-performing assets (NPAs): $120k ▪ No other real estate owned (OREO) Allowance vs. NPAs ($000s) Reserves / Loans $8,000 1.06% $7,500 1.05% $7,000 1.04% $6,500 1.03% $6,000 1.02% $5,500 1.01% $5,000 1.00% $4,500 0.99% $4,000 0.98%
Slide 11: Diversified Loan Portfolio, Conservatively Underwritten
Diversified Loan Portfolio, Conservatively Underwritten 1% 1% 1% 2% 2% 1% 0% 0% 0% 1% 1% 5% 5% 6% 5% 5% 6% 7% 8% 7% 7% 7% Owner Occupied Construction 7% 7% 6% 7% 8% 8% 8% 8% 9% 10% 10% 7% 7% Multifamily 11% 9% 9% 9% 12% 5% 11% 10% 8% 13% 13% Home Equity 7% 8% 7% 8% 7% 7% 6% 7% 8% 4% 6% 8% 8% 4% Comm
Slide 12: Wealth Management Growth Continues
Wealth Management Growth Continues Annual Wealth Management Revenue (000s) Quarterly Wealth Management Revenue (000s) $25,000 $6,300 $21,988 $6,100 $6,011 $20,597 $5,900 $5,811 $5,631 $20,000 $5,700 $17,657 $5,500 $5,338 $16,377 $5,208 $15,102 $5,300 $15,000 $5,100 $4,907 $11,649 $4,900 $10,746 $4,7
Slide 13: TRUX Financial Returns – Annual Trends
TRUX Financial Returns – Annual Trends Key Ratios 2022 2023 2024 2025 Efficiency Ratio 48.16% 48.96% 52.00% 51.08% Net Interest Margin 2.84% 2.67% 2.71% 2.88% ROAA 1.85% 1.86% 1.83% 1.71% ROAE 22.37% 22.31% 19.81% 19.08% Tier 1 Leverage Ratio (Q4 Bank) 9.78% 10.53% 10.63% 8.77% Tangible Equity / Tan
Slide 14: TRUX Financial Returns – Quarterly Trends
TRUX Financial Returns – Quarterly Trends Key Ratios Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Efficiency Ratio 51.24% 52.64% 50.64% 49.88% 49.70% Net Interest Margin 2.90% 2.92% 2.82% 2.97% 3.18% ROAA 1.89% 1.74% 1.70% 1.64% 1.98% ROAE 20.50% 21.24% 21.32% 19.50% 23.07% Tier 1 Leverage Ratio (Q4 Bank
Slide 15: Mission
Mission To do the right thing every day, putting our clients’ interests first, with distinctive, comprehensive financial solutions that protect and promote client prosperity and quality of life. 15
Slide 16: Truxton Wealth, Family Office, Banking
iil TRUXTON EALTH * FAMILY OFFICE = BANKING