Slide 1: Q3 2017 Earnings Release
Q3 2017 earnings release October 18, 2017 Exhibit 99.2
Slide 2: Forward-Looking Statements
disclaimer Forward-Looking Statements This presentation contains forward-looking statements. Any statements about our expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. You can identify fo
Slide 3: Company Overview
company OVERVIEW PAGE Triumph Bancorp, Inc. (NASDAQ: TBK) (“Triumph”) is a financial holding company headquartered in Dallas, Texas. Triumph offers a diversified line of community banking and commercial finance products through its bank subsidiary, TBK Bank, SSB. www.triumphbancorp.com Community Ban
Slide 4: Platform Overview - Lending
PLATFORM OVERVIEW - LENDING PAGE 25% Texas Geographic Concentrations1 as of September 30, 2017 Diversification by asset class, geography, and collateral Commercial Finance target mix of 40% Industry leading portfolio yields 1 Excludes factored receivables 19% Colorado 2% Kansas 7% Iowa 20% Illinois
Slide 5: Platform Overview - Retail
PLATFORM OVERVIEW - RETAIL PAGE team members(2) Western division 25 branches in Colorado, including 9 branches acquired on October 6, 2017 2 branches in western Kansas MIDwest division 10 branches in the Quad Cities metroplex 8 branches throughout northern and central Illinois Dallas Corporate Headq
Slide 6: Platform Overview - Commercial Finance
PLATFORM OVERVIEW – COMMERCIAL FINANCE PAGE Triumph Commercial Finance Asset Based Lending Borrowing base working capital lending Focus on facilities between $1MM - $20MM Core industries include manufacturing, distribution, services, and healthcare Equipment Finance Secured by revenue producing, ess
Slide 7: Loan Portfolio Detail
LOAN PORTFOLIO DETAIL PAGE Community Banking Commercial Finance Loans Held for Investment Chart data labels – dollars in millions 42643 42735 42825 42916 43008 Q3 2016 Q4 2016 Q1 2017 Q2 2017 Q3 2017 Community Banking 1,321.9390000000001 1,333.94 1,321.6 1,493.4259999999999 1,538.607 Equipment 181.9
Slide 8: Long term performance goals vs Actual Q3
Return on Average Assets (“ROAA”) 1.36% Goal: > 1.50% Net Overhead Ratio Net Interest Income to Average Assets Credit Costs Pre-Provision Net Revenue Taxes 5.50% Goal: > 5.00% 3.35% Goal: < 2.00% 2.15% Goal: > 3.00% 0.08% Goal: ~0.40% 0.71% Goal: ~0.95% Long term performance goals vs Actual Q3 PAGE
Slide 9: Investment Considerations
INVESTMENT CONSIDERATIONS PAGE Coverage Analysts: Brad Milsaps – Sandler O’Neill & Partners Jared Shaw – Wells Fargo Securities, LLC Stephen Moss – FBR Capital Markets & Co. Brett Rabatin – Piper Jaffray & Co. Gary Tenner – D.A. Davidson & Co. Nicholas Grant – Keefe, Bruyette & Woods, a Stifel Compa
Slide 10: Q3 2017 Highlights
Q3 2017 HIGHLIGHTS PAGE Diluted earnings per share of $0.47 for the third quarter Completed public offering of 2.53 million shares of common stock for net proceeds of approximately $65.5 million Total loan portfolio growth of $130 million Commercial finance loan portfolio growth of $85 million, incl
Slide 11: Loan Yields and Net Interest Margin
loan yields and NET INTEREST MARGIN PAGE *Reconciliations of non-GAAP financial measures can be found at the end of the presentation **SNL U.S. Bank $1-$5B: Includes all Major Exchange (NYSE, NYSE MKT, NASDAQ) Banks in SNL’s coverage universe with $1B to $5B in Assets. Q3 2017 SNL data not available
Slide 12: Triumph Business Capital Factoring
TRIUMPH BUSINESS CAPITAL FACTORING PAGE Yield of 16.64% in the third quarter Average annual charge-off rate of 0.44% over the past 3 years 2,925 factoring clients at September 30, 2017
Slide 13: Asset Quality
ASSET QUALITY NCOs / Average Loans NPAs / Total Assets 023% ea 0.20% grax 2 017% 21s 2 014% Biss E 011% fe ar 2 005% Fos 0.02% 2 0.3% 001% 0.0% sais a6 1a any 3007 sais sais 1017 2017 3017 ALLL / Non-performing Loans ALLL / Total Loans 120.0% 2.00% 90.0% 1.50% 2 coon 3 100% 30.0% 050% 0.0% 0.00% sai
Slide 14: Deposit Mix and Growth
DEPOSIT MIX AND GROWTH Deposit Growth $2,500 $2,000 sais 4016 1017 ay 37 deposit — cost of total deposits aE TRIUMPH Cost of interest bearing deposits Rates Deposit Mi September 30, 2017 Brokered deposits 6% Certificates of deposit Non-interest bearing demand 20% Savings Interest bearing 8% demand M
Slide 15: Financial Highlights
FINANCIAL HIGHLIGHTS PAGE Reconciliations of non-GAAP financial measures can be found at the end of the presentation Metric adjusted to exclude material gains and expenses related to merger and acquisition-related activities, net of tax where applicable Asset quality ratios exclude loans held for sa
Slide 16: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION PAGE Triumph uses certain non-GAAP financial measures to provide meaningful supplemental information regarding our operational performance and to enhance investors' overall understanding of such financial performance. 43008QTD 42916QTD 42825QTD 42460QTD 42185QTD 430
Slide 17: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION PAGE 43008QTD 42916QTD 42825QTD 42460QTD 42185QTD 43008YTD 42643YTD Period end date 43008 42916 42825 42735 42643 43008 42643 Quarter 3 Days in Year 365 365 365 366 366 365 366 Days in Quarter 92 91 90 92 92 273 274 As of and for the Three Months Ended As of and for
Slide 18: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION PAGE 43008QTD 42916QTD 42825QTD 42460QTD 42185QTD 43008YTD 42643YTD Period end date 43008 42916 42825 42735 42643 43008 42643 Quarter 3 Days in Year 365 365 365 366 366 365 366 Days in Quarter 92 91 90 92 92 273 274 As of and for the Three Months Ended As of and for
Slide 19: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION PAGE 43008QTD 42916QTD 42825QTD 42460QTD 42185QTD 43008YTD 42643YTD Period end date 43008 42916 42825 42735 42643 43008 42643 Quarter 3 Days in Year 365 365 365 366 366 365 366 Days in Quarter 92 91 90 92 92 273 274 As of and for the Three Months Ended As of and for